I think you need something to keep warm...and UQ is just one option. General consensus is that it is the best option, but also the most expensive.
I am new to this, so I thought I would try the pad first, and it was hit or miss for me. Some nights I slept most of the night just fine. Other nights I felt like I was wrestling with the pad all night. I will admit, my pad wasn't wide enough so I had this feeling like I had to sleep with my shoulders all hunched in or else they would touch the cold sides. I slept better with a pad in the hammock then I would sleep with that pad on the ground...but I kept wondering how much better I would sleep win the warm embrace of a down UQ