Okay, update on the situation. I've upgraded to a 20 gallon tank (twice as large as the previous one) and instead of aluminum foil, I've got white cardboard lining the sides. I'm still using the 125 watt bulb for lighting.
However, the temps are still hovering between 85f (with an air gap) and 90f (closing the air gap and increasing the humidity)
Would 85f be acceptable to the plants? So far they appear to be doing fine but during the winter when it's supposed to get cooler, the temps will be around 80f during the day but have a significant drop at night. Further, the plants are sitting in pots that are 5inches in height so the plants are now 11 inches from the bulb. Is this too far from the bulb? The plants seem to be doing okay, but they aren't coloring up as much as they used to, even though the sides of the tank are lined with white cardboard.
Is there another material I could use to reflect light back into the tank that wouldn't insulate the tank and cause it to heat up?