I have a unfinished basement, kids play area, furnace and all mechanicals are down there. I've heard a lot of people rec'd to insulate unfinished basement. How will that help the rest of the house? Also since heat rises if i insulate the ceiling will it be even colder down there and I'll need to worry about it getting too cold since we dont run our furnace very often? Last question: what do you rec'd to insulate with? R13 in the ceiling? What should I wrap the pipes with? I'm located in NJ. Thanks in advance.