Quote Originally Posted by SectionHiker View Post
I'm curious at what temperature is Top Insulator required/recommended? ...
SectionHicker,

A pertinent question would be: What are you using for insulating you underside?

If using only a sleeping pad, it is much more comfortable to have something on top even when night time temps are reasonably warm. However, a down underquilt captures and radiates your body heat in a manner than creates its own micro-climate above. With a down-underquilt, I have slept comfortably with just a fleece jacket across my chest with overnight temps dipping into the 50's.

Anything you currently have will work fine as top insulation but, there is nothing which will compare to a good underquilt for hammock comfort.

Good Luck