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Yes. You should insulate behind shower walls to help stave off heat loss. In other words, it’ll keep the shower or tub from getting too cold. Nothing ruins bath time like stepping into a freezing cold bathroom. Not insulating and air sealing the walls behind the shower allows heat to escape easily, which opens the area up to the elements. 

If you have bubble wrap lying around the house and you don’t care about the odd look, taping bubble wrap over a window is a very affordable way to insulate it. Another inexpensive option for insulating windows is to add new caulk around the glass. This step quickly cuts down on air drafts for older windows, and a tube of caulk only costs a few dollars. Adding plastic shrink film around the glass is another cost-effective option. You can purchase a kit of plastic film for a few dollars per window.

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.

Plaster itself has a higher R-value than drywall. However, there are other considerations surrounding plaster and insulation. As a general rule, it's easier to obtain consistency in insulating value and quality when working with drywall rather than plaster. Plaster walls often don't contain any insulation behind the wall covering by design, and careful evaluation is necessary when choosing to add it.