Yeah loft will only be marginally warmer than outside.
My batteries are heated and I can see them taking longer to charge right now, and they are fairly heavily insulated as well.
Mine seem to charge at 100% from about 14C, below that they charge slower. (Below zero they will not charge and below -10 they will not discharge. without heating, with heating they will discharge to -30C from memory)
The heating seems to keep them above zero, probably 5-10C.
Interesting that my installer specifically answer my question in regards batteries before I had an install with one of the directors saying "mine are on a north facing wall and I do not have any issues with cold"
And yet this year they have emailed people (I wasn't interestingly wonder if its to do with my complaints about battery performance not meeting expectations) offering chippie supplied cabinets with insulation to help the charging issues many of us had last year.
The battery heating option is in the installer menu, duh why?, so I was unaware how to turn it on last year.
Full capacity is only achieved with LiFePO4 at 23C and gains capacity above that.