It's hit or miss with me. All my recipes contain lard and I Insulate with a couple of towels. Sometimes they gel and sometimes they don't. Lately however, I've noticed that while the soap underneath my top layer feels like vaseline, I never see the gel appear on top. I kinda "gently" felt the top of a couple of batches with my index finger that seemed to get hot, but didn't show gelling on top.
Mine gel. I place another mold upside down over mine to protect the top, then wrap the whole thing in a folded beach towel. Matter of fact, I have to watch mine to prevent overheating. I often find that mine need unwrapping for a short while somewhere in the first four hours.
It depends on your mold shape and size too. If your soap is in individual bar molds or in a slab mold, it will not gel as easily as it will in a loaf mold. Larger loaf molds gel easier than smaller ones.
My soaps usually gel in my loaf molds; each of my molds is large enough to hold about 3 lb of fats. My slab mold is sized to hold the same amount of fats, but soap in it doesn't gel nearly as easily.
I did three batches this past week that contained 60% to 75% lard, and all three gelled. I covered them lightly with a tea towel and set them close to each other on the stove-top grates. One (the 75% lard recipe) even started to crack slightly, so I pulled it out, uncovered it, and put a fan on it for a bit until it cooled down. The air temperature was about 80 deg F.
In the cooler months (fall, winter, spring), I often put the molds in my oven to finish saponifying. Lately I haven't even been warming the oven -- just the heat from a couple of batches of saponifying soap is enough to push the soap into gel.