After I had my building up and getting ready to pour my concrete my neighbor started coming over more often and we would talk about things and within a few months he was building a shop all most identical to mine except 4 ft shorter (40x60x16), loft about the same. I'm paying as I go and he just built and finished his in a few months, he's a big farmer in our area. Anyway, he blew packed cellulose in the walls and 12 inches in the attic. Last winter I would stop by often and it would be very nice in there. He said he kept the thermostat set on 50 and would turn it up when they were in there working if needed. He as a propane furnace out of one of his chicken houses, not sure btu's. It was a new one they had left over. This spring he told me he has a 500 gal tank and they only fill to 80% and he still had propane left. Our summer fill is + or - $1.00 / gal. Or what ever. I am way ok with that. Also this summer with the doors closed with it being insulated well it was nice in there with 2 fans on, when it got real hot he has a window unit he said he would turn on low and it was very comfortable. So I believe I'll be happy with my decision on the size of building I have, everyone has different ideas, plans, and budgets. Just giving my 2 cents on what I have and witnessed what my neighbor has done.