My thoughts for Lincolnshire.
If a strong colony on a brood and a super, do as as Heather says.
As boxes are not as robust as in other formats, or if the colony is not so strong, a sheet or large towel or old coat would be good to drape over the brood and food (as well as that top insulation). If on a brood and a super, I would not reduce the OMF except possibly for short periods of extreme cold, but if just on ten frames, some reduction may be OK, or even a good thing.
Insulation does no harm. It can be removed early in springtime if you want. I never had any bothers overwintering even very weak colonies in my WBCs.
Regards, RAB