Most homes homes up here in VT I have run into have r30 in their attics. Maybe r19 in walls. I find a lot of uninsulated areas in basements. I find a lot of places to be under insulated. How about an overlay to R60 in the attic? It is a good idea and not to expensive to boost things up to keep you warmer with a little extra insulation. I assume most folks here in the green room have and are looking into better ways to save money and most likely know to well insulate. It seems in reading some of the other forums in the past people complain of drafty and cold homes and they think the solution is to install a wood stove. I think people would be better steered to home improvements instead of what stove to install, then look into alternative heat sources.