Apparently, you lose most body heat to the ground, so the better insulated your mat then the warmer you will sleep.
I’m in a very warm sleeping bag, but I can’t use a Thermarest on it’s own in winter in Scotland (I used to team it up with a closed cell mat).
I would say that anything in winter in the UK needs some sort of insultation (either in the mat itself, or using a closed cell underneath) for you to be comfy, outside of that you’ll get away with regular thermarests etc.
Obviously, some folk can sleep on nothing but a closed cell mat, which is great for them, but if you need something bigger/comfier, then it will need some sort of insultation to be effective in winter (try sleeping on a regular argos air bed in December – you will freeze!)