1. For 3 season hammock camping(lets just say, April thru October in the southern Appalachians, TN NC GA VA) what temperature rating should your underquilt be? Whats the best single rating to get? My Warbonnet Blackbird XTC is a heavyweight double and I can use a pad as well/if needed.

2. Whats the best "bang for the buck" underquilt? Really dont want to drop $300 on one just yet, but I dont want a junk quilt that I have to upgrade. I get the buy once cry once mantra, just looking for other vouched for options. Im 6'3 so I'd need a full length.

3. Are underquilt protectors necessary? I can see the point, and know how useless wet down can be, but if you have a good hang with ample tarp coverage, do you really need one?

Thanks!