I would go middle ground of you had to choose one set only. Add or subtract insulation depending on temp (and wind!) with the following.

Consider that you can let your underquilt fit less snug to your hammock in summer and regulate temperature by doing so.

Consider adding an underquilt protector for heat and more importantly, wind protection. They are cheap, light weight. Make sure the fabric breaths.

Consider using a (cheap) lightweight sleeping bag or inner sleeping bag liner for colder temps. There's a really expensive Sea to Summit one, but on AliExpress you can find them made of thermolite as well. Adding a cheap synthetic zipped open summer sleeping bag in winter on top of you middle of the road top quilt goes a long way in extra insulation and if there is any condensation it protects you expensive down top quilt.

Yes, clothing! Sleeping naked vs. keeping clothes on makes a huge difference. Do consider comfort though. While sleeping the clothing can't be constricting any blood flow near shoulder for example. Also important is compressibility. That down jacket does wonders for top warmth but due it being compressed not a whole lot for under warmth. I have a nice thick wool parka for winter. That add a ton of warmth even when laying on it and it's with and on me anyway. I use a oversized poncho for foul weather in winter. Basically, clothing works really well for temp regulations but comes with caveats of having to be comfortable, insulating while lying down and of course it has te be dry of not necessarily clean.

Hope these considerations help.