Wouldn't condensation still form on the underside of the lizard skin, similar to the bare metal? I thought I would need some sort of insulation. IE; dead air space?

I'm still not 100% sure why this condensation happens as it does.
I initially thought that there must be a leak in the interior, to have this moisture in the first place, but I also get this same condensation happening under my un-insulated hood, and my trunk lid. I figure it's got to be something about our moist coastal air. (I live on an Island). Only happens during the colder months, when the sun shines during the day, and the outside temp's climb rapidly...