In my opinion and from what I know of heat/cold, insulation can be helpful but also useless. If you have insulation 2-3 ft down around the building and you live where there is no ground moisture seeping up, and the rain water can not get under the floor you don't need insulation.
dry ground does not transfer heat or cold efficiently. I live on top of a hill and am in sandy loam. water level is 20-30 ft below ground level. code says I need vapor barrier under floor and that is all I have. Works good and no sign of heat getting out and melting snow around the building. My dad lives where the water is 4 ft below ground and you can see how much cold and heat is moving by how far out from uninsulated floor the snow is melting and frost coming in if you turn the temp down in the building.
he built new and insulated under and down 2 ft around and you can see the difference.
so depends on your soil and drainage in your area if it is worth it.
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Today's Featured Article - The Day Mom Drove the 8N - by Brian Browning. My Dad was wanting to put in a garden but couldn't operate the 8N and handle the old horse drawn plow he had found and rigged up to use with the tractor. Well, he decided to go get Mom out of the house and have her drive the tractor while he walked behind the plow. You got to understand that while my Mom is a hard worker who will always help whenever she can... she had never operated farm machinery before that day. Dad got her out there, explained how the clutch was the same as in our o
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