I just wish people would clarify whether they're responding to the overall question, or the last post before them. That way I know whether they're trying to contribute to the convo, or argue with me (for instance).
For my input... the question of whether Thermo and Low-Light should stack, comes down to whether you look at it from a cinematic storyline perspective, or from a purely game mechanic RAW perspective.
Storywise, Thermo doesn't use ambient light. Which is why it still functions in Total Darkness. But it only moves you up the chart 1 category, which means you'd still have a -3 to everything unless you have a Thermo flashlight handy. Low-Light would not function at all in those conditions b/c there is no ambient light whatsoever for it to amplify. Which means it's effects would not stack.
Game mechanics wise, Thermo's RAW effect raises the penalty 1 category, which brings it to Dim Light category. From there, Low-Light's RAW effect raises Dim or Partial all the way up to Full, which means no penalties. So from a purely game mechanics perspective, ignoring the scene or any of the roleplay aspects and just staring at a character sheet and dice... if you allow them to stack then you make the Total Darkness scene irrelevant. The two effects cancel out the initial -6 penalty, and your characters are free to act unhindered.