I need an explanation of quilt usage. I'm aware of the differences between sleeping on ground and hanging with regards to insulation and air flow, i.e. hammocks are cold without insulation.
So how exactly are quilts used? If I'm expecting say 50 deg am I using a top quilt and just sleeping on an insulated pad underneath? As I understand, bottom quilts are used for colder temps say +40 and below.
Thanks in advance.