"Malcolm Hoar" wrote in message

3. And most of all, because the outside walls are subject
to the wind chill effect. More heat loss. The floor is
insulated by the dirt and rock -- quite a few feet of
it too ;-)

But the earth is cooler than the inside air. As long as it is cooler, is not
Insulated, it is drawing heat. Insulation helps. Energy efficient homes are
built with 1" or 2" of insulation under the slab.

I agree that other places have much more heat loss, but over time, loss is
loss and if you can stop it you save money. Don't just take my word for it.

http://www.hgtvpro.com/hpro/bp_insul...463250,00.html

http://www.buildingscience.com/resou...r_basement.pdf

https://www03.cmhc-schl.gc.ca/b2c/b2...00420000000051