Wool and alpaca are much better than down when wet due to loss of loft with down. But either way use of a rain resistant over jacket, tarp, or sleep bag cover etc. is wise. Materials similar to and improved over the old Gore Tex breath but are still water resistant unlike plastic which traps all your body's moisture. The human body is constantly transpiring moisture. Some very good articles have been written about this on backpacking/camping websites and magazines.
Goose down jackets/sweaters and quilts/sleep bags are not necessarily super expensive. Just today I purchased a REI brand jacket for $3.93 ($4.25 after tax) at the Salvation Army Thrift store. Last year I bought one for $8. My friend got a North Face goose jacket used at a Thrift store for $10. These are fine for camping, may have a small barely noticeable stain but doesn't really matter. Goose down insulation lasts much longer than synthetic, just critical that you keep it dry or it will smell like a wet dog.
Recently Costco had thin down quilts for $20. Just sew up the bottom and up the side about 1-2 feet and you have a great top quilt or sleeping bag liner or summer/spring sleeping bag (add zipper or velcro if you want, I don't for a hammock). Goose down compresses much smaller than synthetic or wool insulation. Also if you sleep in a hammock with a good ultra light tarp getting wet is not a concern, they are much dryer than sleeping on the ground. BUT keeping them dry is important! Some materials can breath and yet resist rain at the same time, plastic does NOT! This is helps with down and wool/alpaca both.
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