Just remember in principal that heat flows from hot/warm areas to cold areas (second law of thermodynamics). We loose heat by various means:
Radiation into the surrounding atmosphere
Conduction into an adjoining mass
Convection is another means of heat transfer, due to fluid motion.
By putting something between you and a nearby cold mass you are creating a barrier that keeps the heat generated by your body from moving away via radiation or convection, - so i feel nice and snug in my sleeping bag if i put on a beanie as it stops radiation loss from my solar panel!,
By putting a thermal blanket or some other barrier between myself and the bed base (in addition to the mattress) , I am preventing conductive heat loss. Various things can do this, silver thermal blanket, thermal mat, etc. Egg shell underlays are also good, because they create voids or pockets in which small warm air masses can exist. These slow the conductive losses down. FLanalette sheets help a lot also becasue of this.
Im usually that warm in the CT Bed that I just wear boxer shorts and a beanie, sometimes soxs and a t-shirt. SHMBO radiates heat like a furnace that I usually have to put a foot out the side of the bed to keep cool!!