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If you ask Keystone they will tell you the Arctic Package is the thin but effective (for the belly) insulation blanket that lays on the floor of the belly. That's all it is but it does help keep the belly from getting as cold as it would otherwise.
We've stayed in our Montana through December in Kansas City several times. The lowest temperature we were in is five below (twice) and once had about 10 days or so where the high for that period was 14. It can get cool inside the rig so we run the furnace and electric heaters (to keep propane usage down). There are some drafts but we've not been at all uncomfortable. Of course, we dress for winter, just like we did in our stick home. The biggest difference I see is far more window footage per square foot of floor space in our Montana than in our stick home. Much of the coolness is drafts off those windows. We do not have the dual panes. So we put that clear plastic film over the windows when we will winter in a cold area. That helps immensely.
I agree the fifthwheel is not as snug as our stick home but with just a little preparation it can be very comfortable. More insulation is always welcome, of course.
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