No matter what time of year I use a hammock I have always found that I lose a lot of heat from the underside of the hammock. Any insulation that lies between your body and hammock gets compressed and therefore becomes compromised.
Normal camping convention is to use a barrier between you and the floor to prevent heat being conducted away. This usually entails using a pad such as a Thermarest or a foam roll mat. Neither of these are a great option for in a hammock. I have always found that during the night the pad moves and you end up with a cold back.
The solution is to suspend your insulation under the hammock so it does not get compressed. Such systems are given the term under quilt.
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