Friends of ours full-time in theirs and this is what they used when they were wintering here. It can get in the -0 during the winter and stays below 32 for many days in a row.
PolystyreneThey cut it to fit and for $8.84 per 8' sheet, they did theirs for less than $200. They fitted them together using gorilla tape (duct tape) and then they spray painted theirs to match their trailer. It looked very nice.
When the season was over, they did keep it and used it again the next winter with just a little bit of adjustments.
They also had two light bulbs under the trailer for added heat.
2017 Ford F350 Crew Cab 6.7L 4x4 DRW