Monkey 48,
here's my experience of the pros and cons of liners (I've various used polypropylene, microfleece polyester & cotton ones) :
+ adds some warmth but forget the number '5 degrees'. If they could give you the Tog values, it would provide some means of comparison. I would guess that thermolite and silk offer very similar levels of warmth. Thermolite is hollow-core polyester so is pretty similar to what they use to stuff synthetic bags. However, my belief is that the warmth-to-weight of a sleeping bag liner is a less than for the sleeping bag itself. I.e. it is lighter to carry a warmer sleeping bag than a sleeping bag plus liner to get to the same warmth. Only a (rather heavy, bulky) fleece or brushed polypropylene sleeping bag liner is going to offer significantly more warmth than the cotton liner you already use.
+ adds versatility to the range of temps you can cope with using your existing sleeping bag.
+ keeps your bag clean and is much easier to wash than a sleeping bag
So to me the big minus of sleeping bag liners is that they don't offer particularly good warmth-to-weight, especially for an item that is single-use. If you are already finding it cold and are using a cotton bag liner, the chances are you won't be much warmer with a silk or thermolite bag liner. You will save a bit of weight and will have something that dries faster, but you might still be cold.
Viewed purely as a means to stay warmer in cold weather, I'd suggest taking a down vest or jacket to place inside your bag (if there's room - failing that draped on top). A synthetic filled jacket would be fine too. The two or three hundred grammes from minimalist down jacket will provide you with more warmth than a sleeping bag liner IMO.
The other option is to use an overbag like one of these :
http://www.phdesigns.co.uk/product_info.php?cPath=30&products_id=60
but that really is beefing up the insulation and will cost you a kilo in your pack.