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Radiant barriers and insulation serve different purposes, so one is not inherently better than the other. Radiant barriers reflect radiant heat, helping keep spaces cool, especially in hot climates, while insulation slows heat transfer through conduction. For optimal energy efficiency, it’s best to use both together. 

Radiant barriers can enhance the performance of insulation by preventing heat gain in the summer and heat loss in the winter. The choice between them depends on specific climate conditions and the building’s design requirements.

Insulating an unheated garage can still be worth it. For instance, insulating an attached garage can help with heat loss from your house in general, and it can also make it easier to store electronics in your garage without worrying about them being exposed to extreme temperatures.

If you use your detached garage as a workspace, insulation can still make a difference. Plus, you can use space heaters and a window unit AC to help condition the space while you work without installing heating.

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.

Periodic checks for moisture or pest issues ensure consistent performance.