Heating requirements for residential and commercial dwellings result in significant energy consumption and deleterious environmental effects. Personal radiative thermal management textiles regulate the wearer's body temperature by controlling the material's intrinsic optical properties. Passive heating textiles suppress radiative heat losses and therefore significantly reduce the energy consumption required for building heating systems. Guided by an optical theoretical approach, a transparent radiation shield (TRS) is designed based on silver nanowires (AgNWs) that can suppress human body heat with simultaneous visible light transmittance anticipated for practical fabrics. We experimentally demonstrated a TRS with large infrared light reflectance (low emissivity of 35%) and a visible (VIS) transparency value of 75% (400-800 nm). The results are well corroborated by the Mie scattering theory and the wire-mesh equivalent sheet impedance model, which provide fundamental mechanism understanding and guidance toward higher performance. The TRS is fabricated by a simple, solution-processing method with thermoplastic elastomer protective layers, granting notable stretching capabilities, mechanical robustness, and conformability to any body shape or object. The rigorous theoretical strategy enables the scalable synthesis of low-emissivity and visibly transparent textiles for personal thermal comfort.