Hello. My name is Matt, I'm looking into the Vertex. It will be the first hammock I've ever owned. I almost always camp with my best friend and we were looking at splitting the cost of one of these. Love the features, but my question is about insulation. I notice there are no pockets on the bottom of the Vertex. I'm from North central Mn, so cold is always a possibility. Any input is greatly appreciated. And this site is AWESOME!!