you can get silk bag liners from ebay pretty cheap they are about 200g if i recall correctly, they seem quite nice, i used it once then decided its just not worth it for me. i Honestly dont think they add much warmth at all, for me its easier to just sleep in my base layer or if feeling the cold more microfleece/primaloft jacket, cant see the warmth of a liner beating any of those options.
As for the keeping the bag clean thing, for me at least unless you are doing hikes lasting longer than a week without washing i dont see it being to much of an issue in the long run.