There is a reason you don't find hammocks in the North Country, Algonquin, Cree, Inuit, Dene, the Sami all don't use hammocks.

Only in a tropical climate.

If you have to add insulation, enclose the hammock in a tarp, attach a false bottom you might as well hit the ground.
_________________________
We don't stop hiking because we grow old, we grow old because we stop hiking. Finis Mitchell