Which is more important for staying warm, an underquilt or overquilt? I'm a noob with 2 sons into hammocks as well. I'm trying to avoid spending all my money at once. Thinking that getting a quality UQ is more important and having either a sleeping bag or a poncho liner on top of me. I plan on being able to camp in below-freezing weather but not too crazy (say in mid-20's and up).