Perhaps the idea would be to provide a cover for part of the fuselage/wing area in Dayglo that is thermally insulated from the underlying structure then.
I would have thought that a high vis colour scheme, which is - after all - designed to reflect light rather than absorb it, would not absorb enough heat energy to affect bonding of the various layers... after all, surely the difference between flying on a hot sunny day and a bitterly cold one produces a greater temperature change than the difference between heat absorbed from an ornage surface v a white one? Failing that add as many High vis strobes as it takes.
IF your parachute gets in the way, then you design a better parachute.
Leave it to the BOI, meanwhile condolences to the next of kin, family and friends - whilst it's not uncommon to speculate about what might be done differently I suspect there's a fair amount of received wisdom involved here, rather than science...