As part of your investigation, please contact your electric (or gas) company for an energy audit and ask the specific question about the potential energy savings versus the cost of the additional insulation and include the lost investment or loan costs. In a previous house, I did this on my own (I was 20 years or more younger) and it was a rancher, so the attic was very easy access. I believe it was a good investment as we had very cold winters.
The other consideration, our insulation here is blown in, I would never add bat (blanket) insulation over blown in insulation.
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Pennsylvania, for 60+ years, most recently, Allentown, now TV. 
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