Kentucky?? I could see roof color being a factor in Florida - or the Caribbean or Equatorial Africa, but not in a temperate inland area like Kentucky.. Best just to insulate that attic floor(yes insulation does keep from transferring into rooms below it in summer), and either install proper ridge vent or end vents. Remember the only purpose of a roof is to keep moisture/wind of the lived in part of a home - unless the attic is to be lived in as well. And do not insulate between the roof rafters, unless the last part of my last sentence applies.