We've built many homes and purchased block here. We added more insulation to the attic when we enclosed the lanai. Our electricity bill for heat and air is very low. We often turn off the ac on hot days and it holds the interior temperature well. We have also insulated our garage door and plan to tint west-facing Windows.
I'm sure some people who buy frame or block will afterwards justify their purchase and there are features of both to consider. We prefer block...and if the paint the builder used is not up to snuff, there is a 20-year coating out there.
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