I have reached the point that I am willing to give hammock camping a honest test. I sleep well in the house, but my attempts outside have only been done on hot summer days. I do not like to be cold when I sleep and am in search of a under quilt that allows me to use the insect netting that zips along the side hammock. Living in the beautiful northeast I need something that will work comfortably down to 0C/32F. Don’t want to break the bank for a test but don’t want to instantly need to upgrade. Any recommendations?