Hi Justin, I have been using a hammock for 15 years and insulation under you depends on temperature. If it is very warm, the hammock cools you nicely. On the other hand, I am always cooler in a hammock vs the ground. Here in Michigan, even in summer, I have insulation. There are lots of hammock camping forums that cover this as much as we do tires, helmets, and planing. Hope you like the hammock as much as I do. Tom Palmer Twin Lake, MI
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