I'm with LowTech on the 10° cushion. I also use an underquilt protector (UQP) that adds a little more to the temperature tolerance and allows a tad more sloppiness to the UQ fit. I usually have to set up by myself. Quantum physics aside, I can't be in the hammock and outside to see how it fits at the same time. I have mulitple hammocks and UQs. If I had only one, I could set it up just right and keep it that way.
Note that some experienced hangers suggest that when you are out of the hammock, the UQ should be tight enough that it raises the hammock about 10 inches. That assumes a differential cut - the bottom of the UQ is cut fuller than the top so it can be snugged up against the hammock without compressing the loft. HG's UQs have a differential cut. I don't know about Wilderness Logics.
You didn't mention what seasons you have - how many days you might be camping in 25° weather. There's nothing wrong with being a fair-weather camper.
I started with quilts for 0°, 20, and 40° - the usual trio. But after a few years and observation, when I renewed my gear, I went for just two, 10° and 30°. Around here (High Desert country - cold nights), 30° will cover more of the shoulder seasons while not being too warm for the usual summer days.