You lose a lot of heat from below with air circulating below you. I wouldn't use a 40* underquilt in temps under that rating, even with a warmer top quilt/sleeping bag. In fact, with sleeping in a hammock most people agree under insulation is more important than what's on top. If you aren't fully ready to take the plunge, you can always start with a cheap closed cell foam pad for under insulation. I started with an old sleeping bag, a pad, and a blue walmart tarp to test things out. I've since upgraded every one of those items but it got me started and convinced me it was something worth spending more money on. If you start that way and find you like it you can always sell some of your expensive ground dweller gear and put that money towards underquilts and tarps, etc.
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