I've lived in Georgia (Atlanta area) and currently live in SE Minnesota. The mosquitoes are much much worse here in the summer than I ever experienced in Georgia. And that's not even considering the bugs (mosquitoes, black flys, deer flys, mutant clydsdale horse flys...) up in the north woods.

Though we don't have Palmetto bugs...

I have a Hennessy hammock that I have used the past several years. It's great in the summer, and I have comfortably slept in it down to about 25 F.

In the cold, I first tried a thermarest pad in the hammock under my sleeping bag -- ended up with condensation issues because the thermarest is impervious to water.

I've had good luck with a folded wool army blanket under the sleeping bag... lets the moisture out, but counters the compression of the sleeping bag.

Any colder than 25F and I either use a tent with signifigant padding under my bag (thermarest + 2 wool blankets) or build a snow shelter.

- Peter