I have a bicycle trip coming up soon and I am in the process of making a 2 layered fleece topquilt. I will have the ability to put "other" insulation between the layers. The "other" insulation could be anything from a space blanket to clothing im not wearing. I have not the money for down and fleece is cheap soft and warm. So my question to those who know is..... Just how low of temps do you think 2 layers of fleece will get you? The lows for the nights should be around the mid 40's which is a lot warmer than I have ever hammock camped. I have no concerns with my bottom insulation. My pad is tried and true.