I'm in the process of making a down quilt to use on my thru hike. I'm new to the world of quilts. I was wondering if other quilt users sleep directly on their pad or if they use some kind of sheet/cover? In the summer I usually don't wear long underwear to bed so I was wondering how the neo air is on bare skin? is if fine or am I going to want something on top of it? The neoair fabric is grippier than other pads I've used in the past.