" if you look at this as if it is a first dent in the outside of your
brand new car, you know you don't get to replace the whole car
interior for free."


You're comparing Apples to Oranges

"you will be able to pay for a bathroom remodel out of your own pocket
someday using some energy dollars your insulation purchase has saved
you."

That logic defeats the whole purpose of trying to save money with the
insulation upgrade.


" a lawyer may not be the tile expert you want him to be."

He doesn't have to be a tile expert he just has to know what the contractor's
liabilities after damaging someone's house. Just a wild guess I'll go with
liability

I have never heard of such a dump ass way of looking at something.
How would you feel if some contractor damged your house?