He's talking about the heat coming of a K100,
if you'll do some research on the K-bike site you'll find that all of the Ideas you can come up with have already been tried (with limited or no success)
I'll sum it up for you, if you put insulation behind the side panels (where your knees are) it will "channel" the heat back under the gas tank to the bottom of your seat and set your ass on fire (not really but it will sure feel like it)
you can have limited success by putting insulation under the gas tank and under your seat but this will shorten your battery life as a lot of the engine heat will flow over it. (It's got to go somewhere)
I suggest some strategically placed "air wings"
to push the air envelope out around your legs.
Baker used to make some for the K-bikes, I don't know if they still do.
The oil cooler in the fuel "loop has already been tried it didn't make any noticeable difference.
Your profile is incomplete so we don't know what part of the (world/country) you're in,
regardless the K100 is going to be one of the "hottest" bikes to ride,
your choices are limited
accept it, sell it, or move to a cooler climate.