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Yes, you can install insulation over ductwork, and doing so can save you money. Without insulation, the HVAC unit must work harder to force warm or cool air around the home, and once the air reaches the vent, it may not be the correct temperature. Insulating HVAC ducts makes your system work more efficiently, saving you money on heating and cooling bills.

Structural insulated panels and rigid foam boards have the highest R-value of any insulation that contractors commonly use, with R-values reaching up to around 8.0. These types of insulation are best in extremely cold climates, but they’re generally preferred for new construction, as they can be challenging to retrofit. Blown-in and loose fill insulation provide the next best insulative value, provided the installation is done properly. It’s important to choose an insulation type that meets your needs based on climate, as maximizing R-value may not always be financially worthwhile if you live in a moderate climate.

The lifespan of crawl space insulation depends on how well you maintain your insulation and the type of insulation. Fiberglass will need replacing every 15 to 20 years on average if you don't have a vapor barrier in place. If you do have vapor barriers in place, then your insulation could last much longer. Spray foam insulation can last anywhere from 80 to 100 years. 

You don’t need to staple insulation, as your drywall and studs will hold it into place. But if you already have a staple gun and staples lying around, it can help keep the product in place and avoid any shifting. But, most experts agree it’s an unnecessary step.

If you’re adding a vapor barrier, you will need to staple that in place.