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The best type of attic insulation depends on where you live, your budget, and what stage of construction the attic is in. For example, if you're building a house, then structural insulated panels are a worthy investment since they're easy to install during construction and they're the most energy-efficient type of insulation.  

Additionally, if you live in a very warm climate, then you can potentially save quite a bit of money by opting for reflective insulation, which is more affordable than comprehensive insulation but doesn't work well for cool climates. Blown-in, loose-fill, and spray foam insulation are all great options for attics in moderate climates.

Mineral wool wraps are the most affordable and effective insulation for crawl space ducts. They are easy to cut, last for a long time, and healthier for humans. Meanwhile, fiberglass wraps are cheaper but more hazardous and difficult to handle. If you do choose to use a fiberglass wrap, make sure you are wearing long sleeves and wear proper protective gear.

Yes, basement insulation needs a vapor barrier due to its susceptibility to moisture seeping in from the outside of the house. You should install a moisture barrier before you install insulation or purchase insulation that comes prebuilt with a moisture barrier to avoid water damage in your insulation and costly mold and water remediation expenses. 

Upgrading insulation offers several benefits, including improved energy efficiency, which leads to lower heating and cooling costs. It also enhances indoor comfort by regulating temperature and can provide noise reduction. Additionally, better insulation has a reduced environmental impact and can increase your home's value and overall livability.