I am considering buying a clark North American hammock. How cold can you go in this hammock by putting your clothes/gear in the pockets. . .in other words, in the stock hammock. .no underquilt or extra CCF pads?

The web site advertises it is comfortable down to 30 degrees without additional insulation. Is that reasonable?

I have a Hennessy Explorer Deluxe. I was going to buy a JRB Nest to go with it. . .then realized that I would be up to over $500 and decided to consider a Clark.

Any input would be great!