I've got some money budgeted for upgrades/changes for my home. I've made list of pros/con but always want to bounce ideas off others in case I miss something so here goes. Option 1. Spray insulate my roof or ceiling with foam insulation. Cost I'm told will be about $3-4/ft which includes removal of old cellulose blow-in, so total cost is around $6-7K. This would help with heating and cooling as the roof is a major source of heat gain during the summer. Only major drawback is my concern over my house being too tight leading to moisture problems (live in a icf home). Option 2. Install GARN in outside building and plumb into existing radiant floor heating system. Cost around $15-20K. I cut wood all winter long clearing land for farming operation so unlimited amounts of wood although I don't need to waste time blocking it up more than I have to. I can place unit in building but will have to pipe water ~135ft. Major benefit is the guilt-free turning up of our thermostats, but this still isn't a totally passive option so will have some maintenance. Option 3. Install interior storm windows on all windows. Cost is about $3-5K. Major benefits are reduced condensation on windows (we get build up due to moisture issues in icf home esp if we have lots of people over and/or cooking alot on cold days). Would allow window shades to be opened more. Some minor labor required every year and then have to store units during summer etc. Option 4. Put in a WOOD buring stove/fireplace in the living room on the north side of my house. Cost $5K due to removal of old gas fireplace. I'm not sure how I'd run a chimney since I think it would have to run higher that the second story of the main part of the house. Cons include wood debris inside house and ash removal, plus installation issues. So what would you do?