I looked around quite a bit when I got a new door for my garage. The overhead door company (pace) in town had the best doors by far. Full steel wrap, 2 gauges lower than the next best door in town, r 9.6 insulation, 16x7 door. Cost me about $730 with all the necessary fasteners, the angle to attach the track to the ceiling, and the weather stripping.
I would not buy a door that wasn't a full steel wrap, personally. Much less fire hazard, easy to clean, hard to damage, and damn strong. I could pick up on end of the 16' panel and it wouldn't sag more than 2" across the span, and the panels are only 1.5" thick total.
Edit: Insulation is great. My garage is semi-heated from the house, and it went from 40* in winter up to 60* just with the insulated door, good weatherstripping, and the rubber seals between door panels.