My thoughts are a lot like Bob's. I think one real advantage of the insulated hammock is that there is no seams for warm air to find it's way out of because the shell is fully attached.
But how ever you do it, it's going to be important to avoid compression of the insulation as the hammock is weighted & stretches w/ use.
So I still think having some adjustability that allows you to bring the insulation up against the hammock, or lower it as needed, will help get the very most out of your insulation.
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