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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.

The primary reason that insulation saves you money over time is that it reduces your energy bills by making your home more energy efficient. A crucial part of an insulation system is a properly installed vapor barrier. Local building codes dictate whether your insulation requires a vapor barrier based on the type installed. While some high-quality wool insulation may not technically need a vapor barrier, most municipalities still require one to meet code.

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. 

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.