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 - An Old-Time Tractor Demonstration - by Kim Pratt. Sam was born in rural Kansas in 1926. His dad was a hard-working farmer and the children worked hard everyday to help ends meet. In the rural area he grew up in, the highlight of the week was Saturday when many people took a break from their work to go to town. It was on one such Saturday in the early 1940's when Sam was 16 years old that he ended up in Dennison, Kansas to watch a demonstration of a new tractor being put on by a local dealer. It was an Allis-Chalmers tractor dealership,
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