Too snug? I would be. Try reading Brothers Adams comments about the disadvantages of excessive insulation. When covering hives with insulation was popular in the US, he gave it a try. Although the colonies came through really strong, totally dry they then failed to thrive through the remainder of the following season. Just didn't give a good crop. I want bees that thrive, build up well and use a minimum of stores in the winter. I want a good brood break, both for the reasons above, and also I find it helps keep varroa levels down. I used to use insulation as I thought keeping bees warm in winter was "better" (I thought I was doing the bees a favour) but these days have left that old theory behind as, as far as I could tell there was no actual science to support it. (I don't mean conduction of heat through different materials - I mean quantified statistics or even anecdotal evidence of comparison of colonies with / without insulation - as far as I can tell, both Brother Adam, and all the beeks in the US when it was popular left that theory behind after a few seasons - at least except in Canada etc where it's frozen most of the winter)
(I accept where Finman is, the temperatures in Finland and snow for month after month is completely different) but I assume you are in the UK, where we have relatively less severe winters than Finman where other wrapping techniques are needed).
I'd be avoiding excessive insulation if you are only running Nationals at all costs. The risk of the high temperature causing brood rearing (and hence a dramatic increase in consumption of stores) would worry me that they would starve through your kindness of keeping them warm.
On your point of helping them maintain temperature, then yes, that is good. But that is no more than leaving them alone once clustered, stopping the woodpeckers disturbing them, ensuring they are free of nosema (as that disturbs cluster temperature) and possibly ensuring they have a fairly deep skirt around the stand to stop lots of draught.
The bees will maintain a survivable temperature all winter quite fine on their own. If you can get the external temperature cold enough to cease brood rearing, then they drop down the temperature even further, consuming less stores.
I do, though, seem to be a lonely voice!
Adam