Just food for thought, went to the local goodwill few months back and got a wool throw for $3. This past weekend we had a number friends/family spend the night. My options were the floor or hammock. I went with the hammock. I used the throw as bottom insulation, and it worked great. Only got down to 60-62 deg but I was way comfy. So if you are looking for a cheap alternative to an under quilt for summer/fall try it out.