The above photos are showing poor insulation in the floor that overhangs the exterior wall. The darker the color = the colder the surface. This is common when batt insulation is just stuffed into an area. Voids are present that allow heat/cold to pass easily. The temperature change is not just a discomfort. It can lead to condensation, mold and wood rot. I am a big fan of foam insulation. It fills most gaps and creates an excellent heat barrier.