I have both a 55" and a 50" TQ. I am quite broad across the chest and shoulders.
I have found that 55" feels like too much in my hammock. It is a bit annoying to deal with the extra fabric, try to tuck it all in and what not. 50" feels fantastic, and gives enough for good seal in conjunction with the underquilt. Now, if I were in colder weather, moved in my hammock more, etc. it might be that I would prefer the 55".
I guess another thing to consider is the type of hammock you use. I use a Hexon1.0 and weight ~195, so the fabric has a bit of stretch and comes up around me a bit. If you weigh 150 and use 2-layer Hexon2.4, it may be that your UQ won't provide the same coverage.
When it comes to ground-sleeping, there is no way I would go any narrower than about 54". A pad doesn't come up around the side of your body to help insulate the way an UQ does. I have used my 50" quilt a couple times, but it was in very warm weather and I used it with my UL bivy, which helps cut out drafts.
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