Ya - take all that ***** off. It's holding in heat and makes the drive MORE difficult to cool! My bare drive is sitting out in the open (tinted windows, granted) and it always works. (it's been up to 95f here this week)
Like you said, when running it works fine. But also like you said, when it's off, it gets too hot. Take off those warm jackets and the drive will be fine. Even the case - plastic is an excellent insulator. Try putting it in the shade.