Most cats are cored, so the
insulation is already there. But having two hulls in the
water and a lot of spread-out space makes
heating an issue - you'd either need more heaters, an efficient ducting system or just be resigned to leaving some spaces or even a whole
hull, cold. Paul Howard and Fiona McCall took a
Manta 38 from
Iceland to Cape Horn (interestingly switching to a cat having circumnavigated in a
steel mono). There's contact info at the link if you want to ask them:
Canadian Power and Sail Squadrons