I currently believe that an off the shelf $100 digital camera and the proper filters and a little hetrodyning could give me excellent results. Am I out of line here?
Very much out of line. Suggest you read up on thermal infrared cameras, which are mainly sensitive to IR radiation in the 8 to 14 μm wavelength range. Silicon-based visible imaging cameras only have a near-IR response that peaks at about 0.9 μm. FLIR Corporation makes a suitable imaging camera that sells for around $300. Try
this page for starters and links to more information.
There may now be low-resolution, raw microbolometer, sensor arrays available, especially from Asian sources, but good luck trying to use them. I would want to see something on the order of 100 x 100 pixels or better before wasting any of my time on them.
Most black plastic, such as heavy-duty (thick) contractor bags, are transparent to infrared radiation. You will need either a germanium or
zinc selenide lens to focus thermal IR images onto the sensor plane. Ordinary photographic lens are opaque to the range of wavelengths that you need to image.