Basically yes...I always have some insulation in the hammock..

even in the tropics I wrapped myself in a poncho liner, that way I had a bit insulation under me and I feel something on top of me (I need to feel something oon me, a sarong, sheeth or thicker...)

Guess I acclimatize easy too. Both to cold and hot weather....

But.... ymmv, so hyoh

Grtz Johan