A few years ago I had the tiniest wee est colony to go into winter, we get very strong winds that suck the heat out of everything, although rarely now and little frost, (recently) so I put kingspan round the outside of the hive ... it was not as sophisticated as the above picture. To my surprise the colony came through the winter, So although 'they say' its the damp that kills bees not the cold, I think it just means that the bees do not have to work quite so hard to keep warm, particularly if you have these cold heat sucking winds ..the OMF gives them ventilation ... we do not have varroa but find the bees do better on OMF than on solid floors. ( I also put a fleece (sheep, not manmade fibre) ontop of the hive but then I have lots of wool! )