-I'm male.
-6 feet tall.
-I sleep a little on the cold side.
-I camp in the Adirondacks. (drops to 25*F in april and december but record lows are around 5*F)
-I generally sleep fully clothed (Under Armor, socks, hat, pants, and sweatshirt).

I've seen a lot of sites where people put sleeping pads underneath them in a hammock... has anyone tried that? And two quilts sounds like a pretty good idea. Didn't think of that.
Sleep in a Hammock.