I’ve been camping with hammocks for about 40 years. I won’t use anything but the Yucatan string hammocks, where you can get the proper angled across the hammock position that most cloth hammocks won’t allow, despite them being a bit heavier. And yes, a tarp strung above is a necessary part of the kit. The cooling effect of having your body suspended in air and the squish factor on the bottom is significant, especially compared with a tent/pad. You need a bit more (synthetic) insulated bag for a given temperature than you do with tent camping. An under quilt is just more gear that I wouldn’t consider carrying.
