good point, i've used the older/cheaper syn bags in hammocks before, and the uncompressible fill does insulate under you. works great for car camping in milder weather.
everything i have read says that any reflective material is most effective with air space between the material and whatever it is insulating. the ocf of the ss may create this somewhat. not sure if ccf would do the same, but it seems like it would be most effective when suspended outside the hammock, laying directly on it will eliminate any air space. suspend it from the outside, and you may be able to create some air space. you would want it loose fitting with a tight seal around the edges.
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