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The most affordable way to insulate a garage involves choosing cost-effective materials like fiberglass, which comes in batts or rolls and is relatively easy to install. You can often install this type of insulation without needing to add drywall, which helps reduce costs. While a DIY approach might seem cheapest, hiring a professional installer can be highly cost-effective. Experts can accurately determine your garage's specific insulation needs and ensure the best results for your investment, often using batt insulation for the bulk of the project.

A plastic vapor barrier should completely cover your basement to prevent water from penetrating through the walls. This typically goes before installing insulation to prevent moisture from building up and becoming trapped on the inside of your insulation, where it can collect and lead to mold damage. Installing insulation after the vapor barrier allows for any moisture to exit the walls for better ventilation.

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. 

Insulation can be easy to install, depending on the condition of your walls, but there are many safety considerations and potential challenges involved. For example, most types of insulation are made from materials that can cause irritation if inhaled or if they come into contact with your skin. Additionally, installing insulation incorrectly can actually make moisture issues in your home worse.