So how did I get an 1800sq. ft. 110 yr old house to have an annual gas
bill of 463$ last year, down from 1850 $, Which includes tankless gas
water heater gas cooking and gas dryer. I did R 100 attic R 35 walls,
dual and tri pane, and complete basement insulation, even Under the new
concrete. But #1 I did not listen to the naysayers that I would never
get a payback. My utility co was so sure I was stealing they were out
twice. So all you who say don`t overdo it , it will never payback, I
laugh to the bank this year and maybe pay 6-700 for a years worth of
comfort.

Oh Im Zone 5 Chicago area it goes to -20 here and im on the water, a
very windy place indeed, so windows were purchased with test results.

Bottom line, insulate for your zone to the max.