I'm one of those oddball hammockers that seems to be most comfortable when I turn a hammock into a Serta. That being said, I'm really appreciating how a 25" wide Neoair with 3.0R is "spreading out" my Ridgerunner so I can actually sleep. My question is, how warm of an underquilt do I need to add handle lows down to 25F? My dicey math wonders if a 20-25 degree underquilt would be overkill, and perhaps I could get by with a 3/4 40 degree quilt plus pad instead. Pack weight/space are more of a motive than cost here. Thanks!