I just received my 1st hammock (Warbonnet BB) and intend to spend my 1st night in it in my yard this weekend, so I am a newby. I went straight for the underquilt (Warbonnet Yeti) since my reasoning for going to a hammock in the first place was comfort. Pads are supposed to do the job, keeping you warm, but at the expense of comfort. The down side to the UQ's is their cost. I have not yet purchased a TQ, but will do so in the near future. I am leaning toward a Tee-Wa or a JRB. The UQ and TQ combined will push your budget but you can probably get there.