I'm a fellow noob who got my first hammock in late January and have spent multiple nights in the woods with my lowest being 19 degrees very comfortably. I have yet to get an underquilt, because the first thing I tried was pads I had from my ground set up, and I found my system to be plenty warm, and very comfortable. I could imagine pads being annoying in a single layer hammock, but in my double layer they stay put and I find them very comfy.
I'm sure an underquilt is more comfortable as the many more experienced members here say, but considering my pad system feels like absolute heaven and more comfortable than my very expensive bed at home, I'm not rushing to change.
My point being, is there is very little fiddle factor with the pads (assuming double layer hammock anyway), and it may be worth trying before you go back. Even though I wont, I would just assume sell my tents and never look back. After experiencing the comfort of sleeping in it and the incredibly vast array of available camp sites that were out of the question when sleeping on the ground, I would personally do whatever it takes to make hanging work. If you don't feel that strong inclination like I do, then maybe it simply isn't for you.
Either way best of luck, and if it is in fact for you, the great members here will surely help you figure it out.