Phil, tractor supply sells rubber horse stall mats that a friend installed on their basement floor. A 3x4" thick 4’x6’ section is 46.99 and they are incredibly sturdy. I’m not sure if that would be a good insulation layer but you could also get creative with the foam they use on the side of houses. It’s cheaper and you could then put thinner mats on top. I’d also highly recommend a few cans of Great Stuff to seal the gaps letting air in as a first line of defense before anything else.
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