I'll echo the above...
Do try it, but try it on the "cheap" first, if you can.
I have a very nice Exped DownMat 9 that is great on the ground in the winter. It'd do OK in the hammock. Ultimately I'm glad I was patient and found a nice, gently used UQ for $180 (often found here on the HF for under $200). I already had the DM9 when I started hammocking so it wasn't as big a hit to the wallet.
I've used a 20°F TQ as my top insulation for several years, even on the ground: lighter, less bulky, less expensive (can be).
More/better insulation is usually preferred underneath, as opposed to compensating on top. In a sleeping bag, on top of a pad, it should be warm enough. That's a lot of squirming around, though, for my taste (which is why I quickly went with an UQ rather than deal with the mat(s) in the hammock).
Definitely try to get to a group hand before you drop a bunch of coin. You certainly won't have trouble re-selling most things hammock related as long as they're still in good shape.
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