Beth, my concern from reading, is not keeping things warm, but preventing them from over-heating when the sun shines. Even in my relatively moderate climate, the fellow I knew who had a 4x8' cold frame, had jars of
water inside to help accommodate the extremes. I can remember in my youth, on days when we had mixed cloud and sunshine, my dad charging out to put a sheet over his cold-frames when the sun unexpectedly came out.