As previously noted, the chloroplast had minimal R value. BUT, what it does do is create a dead air space around your tanks and water lines. Which, if you have an "Artic" package, is heated by a duct from your furnace.
I camped in temps that dropped to the low 20s in my 2014 Avenger this fall and didn't have any problems. The important thing is to rely on your furnace for heat and not use an electric heater. If you do that, then there isn't any heat going into the underbelly. Before we got those really cold nights I sealed the front and the two sides of the chloroplast with good quality foil tape. I left the back unsealed so that if I ever have a leak the water can drain out the back and I will be aware of it.
Good luck!
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