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 - Restoration Story: Fordson Major - by Anthony West. George bought his Fordson Major from a an implement sale about 18 years ago for £200.00 (UK). There is no known history regarding its origins or what service it had done, but the following work was undertaken alone to bring it up to show standard. From the engine number, it was found that this Major was produced late 1946. It was almost complete but had various parts that would definitely need replacing.
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