When we had our house built we paid for extra insulation in the entire attic and in all the exterior walls including the garage, best money we ever spent. Cooler garage, but our heating and cooling costs are one third of our neighbors even set at the same Temps. I would put in the above garage insulation and think about having additional blown into the rest of the attic. Too late to upgrade insulation in the walls, but if you're building new, definitely get it.
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