I for one much preffer to camp when it is 96 than 40 degrees - and never yet have had a problem with my down getting wet, so i’m a bit preplexed by some comments. I’ve had dew on my fabric, but is has never caused the down to collapse, and yes I use the underquilt on days that it is in the 90’s because I get a cold but in the nightime lows if they hit under about 84. In a tent I sleep hot, but always cold in a hamkock other than about ten days out of the year, if I’ve got no underquilt or towel under me. Thin wool blanket to the rescue, i hope.