Definitely insulate. I keep the food in my truck in a cooler, dehydrated food that doesn’t really care about temps - but it doesn’t hurt. I hadn’t considered a need to insulate my FAK, but the meds are minimal. That said, max recommended storage temp for Neosporin is 77ºF (25ºC) so temps are an issue. Temps inside the garage exceed that routinely so I may need to rethink...

The insulated bag doesn’t need to accommodate the entire FAK; most of the bulk in an FAK are bandages and things that likewise don’t really care about temps. So maybe an insulated lunchbag inside the FAK, or a smaller medication bag that is kept with the FAK, but that can be grabbed and brought in your house when convenient to chill out. I’m thinking Neosporin goes in my much smaller owwie kit and that goes in my backpack, not in the truck’s FAK. Truck’s FAK is shifting to trauma so Neosporin isn’t a big deal.