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Pic related is my setup. I use a Warbonnet Superfly tarp (which my friend to the left is borrowing), a Warbonnet Blackbird XLC hammock (with winter topcover), a Warbonnet Yeti Underquilt, and an Enlightened Equipment Revelations Topquilt. Night in pic related got down to 20 deg. F, and I was seriously warm, almost too warm. I had to take off all my cloths, and slept in just my boxers. You could replace the UQ/OQ with a 0 deg. one and go below 0 easy imo.