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I wasn't aware of the Lizard Skin products and that seems to be good stuff, but if you're trying to insulate a hull and live inside it, you're going to need a good bit more insulation to keep the temperatures comfortable. Twenty mills of insulation, even if it's pretty good stuff isn't going to do much to make a boat livable when it fairly cold outside. I'd be looking for a material that is fireproof foam for obvious reasons and has a thickness of half to 3/4 of an inch. That would substantially reduce the heat loss and keep you a lot more comfortable when the water is cool. I like Airex, but it's pretty expensive. The thing about it is that it can be heated with heater or heat box and formed to shape, then after it is shaped you can glue it down and you have an effective insulation.. If you don't keep the hull insulated, you're going to get condensation inside and it will make a mess of things. Given that you're in Minnesota you're going to need some pretty good insulation or you're going to need a lot of heat..