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Console yourself with the graph half way down this: https://www.thegreenage.co.uk/what-is-the-recommended-thickness-of-loft-insulation/ and then improve things by adding the insulating properties of your boards?
Our loft space has 150mm insulation and boards over the joists - a neighbour (identical house) has something like 300mm and very similar heating bills but without the extra storage space...
https://www.toolstation.com/loft-flooring-legs/p44016 or similar?