Although I am new to hammocking, I will concur with others, save your money and get a good underquilt. I also have the Hammock Gear Econ Incubator and love it. It took me a while to save up for it, but it was well worth it.
If you camp already you may have some things to help already. I used my sleeping pad in my hammock. My middle son has also use a USGI poncho liner, and used the no sew option. https://theultimatehang.com/2013/01/...ew-and-no-sew/
Craziest thing used for insulation I've seen is leaves. I had a pad for middle son to use, but it got colder than anticipated. Both my and his buddy who was also hammocking didn't have warm enough gear for the unexpected cold front.They started piling on leaves underneath and on the sides of their hammocks and were comfy.
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