Yes, the devil is in the details, differing climates mean differing responses. Here in MT we have 15 hour long winter nights, still longer up north, it makes economic sense to have insulated, automatic window shutters. The problem is the cost/benefit ratio, that’s where the gov’t could help with a 90% matching funds program, as a mechanics lien to be paid back over many years.
I think, if you check on it, many cities, states and the Fed Gov. offer low interest loans or rebates for home improvment and *Green* solutions.
We got back $1500 on our heatpump.