I live in the south (Texas) and hammock year round. I’ve put off purchasing an underquilt for far too long. BUT, I’m ignorant of all the options, and the pros/cons of each option. Mostly it’s needed for spring/fall, definitely nothing below 30 degrees actual temperature (I say this because I know ratings are usually based on survival not comfort). So what’re y’all’s thoughts? A 40 degree with a bit of overfill? A 30 degree? Any brands to stay away from? I typically hike to wherever I camp so weight matters. Also, at those temps would I be better off with an over quilt instead? Or in addition to the underquilt???? Basically feel free to school me in all things relevant, and thank you all in advance.