Drove past Glastonbury around 7pm last night on my return leg from Philadelphia....
It is a budgetary issue. Batt insulation is not going to improve the cold you have been experiencing, unless you can install radiant heat from the underside of the floors. Foam would be first choice. Again, price dependent. Run all wiring and plumbing first. Add some PVC tube messengers for future use. Planning accessible shutoffs is key. And if you have to add wiring in the future that you had not planned for, it is a garage ceiling, so adding race tracks on the sheetrock will not be out of the question.
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