Noob planning to get my first camping hammock and plan to use it year round including winter trips in the BW. I'd like to get just one underquilt so I'm thinking a 0 degree UQ and leave it hang or draw it up depending on the temp. Or should I use a sleeping pad when it's warm and the UQ when it's cool/cold?

I'm looking at the HG Incubator Economy. Do the temp ratings run true on HG UQs? I plan to add the UQ protector as well. Does it add much insulation value or is it mostly to keep the UQ dry? Thanks

I have Hammock Gear top and under quilts. I got the burrow and the Incubator in 20 degrees, and I have used them in as low as 28 degrees. (I don't winter hang, I just tried it in my back yard) I also used them on a WCPP trip with a record heat wave, temps in the mid 90's during the day. Those days, I went to sleep with the under quilt pulled to the side, and would pull it back when it cooled off. I would say that they do a good job of rating their gear, temperature wise. You may not be toasty warm at their limit, but my 28 degree night was comfortably cool. Mine was not the economy version, they didn't have those when I ordered.
I believe the UQ protector might help a little with blocking wind, but really wouldn't expect it to increase warmth otherwise. Mainly to protect against moisture, and I prefer my tarp to do that job.

I honestly think you are getting ahead of yourself here. I would find a hammock first that you can comfortably sleep in and then build up from there. Otherwise you will just keep on spending money on stuff that isn't right for you. As a side sleeper you may prefer a bridge style hammock or you may find that a gathered end works just fine for you. So step one would be the right hammock and suspension and learn how to set that up properly.
Step two would be an adequate tarp and quilts for your new rig. As for the quilts and temp ratings it depends if you sleep hot or cold. I find that I can barely make it to the ratings, but I have buddy's that can push the same quilts way passed what they are rated for, so it really depends. If you want to winter camp you can also stack (double up) your Underquilts vs buying a dedicated deep winter quilt. Same goes for the top. Here you can also use your sleeping bags for starters.

Instead of buying on of these kits I'd look at a Warbonnet Blackbird XLC or Ridgerunner or alternatively a Dutchware Chameleon or Banyon. I'd say they are the most common ones you can buy from the US cottage vendors and it's hard to go completely wrong here. If the hammock bug bites you, you can venture out from there. Alternatively you can come to the next Wisconsin hammockforums outing and check and try out what people are sleeping in there. That will probably help a lot with steering you in the right direction.

Like other temperature maintenance layers are important. Each layer will have its function and the UQ protector most sheds wind and moisture. A pad adds another layer and can provide structural support. When it gets near and below freezing I spread an army poncho liner over the ridgeline creating a canopy layer. Heat rises and the resulting cocoon cuts down on air movement, cold drafts are not fun.

I have a Dutchware Chameleon and HG Econ 20 degree quilts. Was comfortable down to 26 degrees. Have not tried lower. I have heard guys having good luck with down booties. My feet are the first thing to get cold.