You should have a look at hammock videos on YT. Plenty of them show off well below freezing point. The brand I mentioned has double-layer bottom models, and insulation can go in there.
Re: wild camping, sadly it’s illegal through most parts of continental Europe. OTH, given the observable stupidity of our fellow human beings, that might be for the greater good… Especially at the moment, with the risk of wildfires in many parts of Europe at a very high level.
sighs
I just got a project mail reminding everyone that at the current risk level, none of our field workers is allowed to drive on forest paths. Someone did just that. Professional field workers, biologists, no less.