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The primary downside of radiant barriers is their limited effectiveness in cold climates. They are designed to reflect radiant heat, making them less beneficial in cooler conditions where heat retention is more important. 

Radiant barriers require proper installation to maximize effectiveness. Incorrect placement can lead to minimal benefits. They also do not provide insulation, meaning they should be used in conjunction with traditional insulation for optimal energy efficiency. 

Insulating your basement walls offers numerous advantages that make the project well worth it. By adding insulation, you can reduce the chances of moisture damage to the house's structure and lower the odds of mold growth. You'll also add comfort to the space by reducing temperature swings and increasing your home's energy efficiency, potentially reducing your energy bills to earn your investment back.

Yes, insulating ductwork in a crawl space is a worthwhile investment, especially if you live in a colder climate or run your air conditioning for most of the year. Uninsulated ducts can lose up to 30% of their heating and cooling efficiency, which can significantly impact your electricity bill. The project is a relatively small investment and typically only takes a few hours. It's a particularly simple add-on if you are already hiring someone to insulate the entire crawl space. An added benefit is that insulated ducts put off less hot or cold air, making them less attractive to pests.

Ductwork should be wrapped in insulation in certain locations. This includes unconditioned interior parts of the home, such as attics, crawl spaces, basement ceilings, and between floors. Duct joints should also be insulated since they're more likely to leak air than other parts of your system. Building codes in some areas also require ductwork to be insulated.