Insulation level needed with options
We are about to settle on insulation for our new construction in New York (zip is 10567). Our house 2x6 exterior walls has a brick front and Hardi Plank on the back and sides. The back and sides have rigid foam board insulation (R-6) - the front does not have the foam board.
Our builder has provided the following options, I am am trying to make the best decisions. I want to do a good juob of insulating, but do not want to spend money needlessly:
1. Supply & Install the following:
A. Exposed Ceilings.
a. 10.5" Icynene LD-C-50 Open Cell Spray Foam(R-39) $9,200.00
b. 10.5" Icynene MD-C-200 Closed Spray Foam(R-60) $20,625.00
B. Slope Ceiling.
a. 9.25"Icynene LD-C-50 Open Cell Spray Foam(R-34) $1,850.00
b. 9.25"Icynene MD-C 200 Closed Spray Foam (R-53) $4400.00
a. 7.25" Icynene LD-C-50 Spray Foam (R-26). $195.00
b. 7.25" Icynene MD-C 200 Closed Spray Foam(R-53)$660.00
D. Exterior Walls a. Certain Teed R-21 Kraft Fiberglass Insulation. $720.00
b. 5.5" Icynene LD-C-50 Open Spray Foam (R-20). $5,500.00
E. Garage Walls Dividing Living. (basement level)
a. Certain Teed R-21 Kraft Fiberglass Insulation. $80.00
b. 5.5" Icynene LD-C-50 Open Spray Foam (R-20). $600.00
F. Garage Ceiling. (there is a bedroom above so this makes sense) $1,550.00
a. 7.25" Icynene LD-C-50 Spray Foam.
G. Band Joist (In Between Joists @ Exterior Wall Pockets)
a. Certain Teed R-21 Unfaced Fiberglass Insulation. $55.00
b. 5.5" Icynene LD-C-50 Open Cell Spray Foam(R-20). $495.00
My default is to go with the most expensive, but it is a lot of $$$. It is advisible for some or all (will it pay off financially)? Any help would be greatly appreciated!