Thanks to All of you for your feedback.
The 40x40x10 space will be split into 3 zones: one dedicated to garaging 2 cars; one which will be used on a part time basis; and the third which will be used [ probably lived in

] pretty much full time.
I would like to achieve a tight envelope to
optimize energy efficiency in the heating and cooling of the area (the garage will not be conditioned to the extent of the workspaces.)
Oklahoma's climate does not compare with that of the Northern states, but we do get chilly in the Winter and hot in the Summer. Average highs and lows are as follows: Jan, 50/29; Feb, 55/33; March, 63/41; April 72/50; ... July, 94/72. Plus, the summer humidity is definitely a factor.
I can see that there is a spread of opinion (man am I good or what!) and that I will need to determine what is appropriate for my particular requirements, but any and all considerations and feedback are appreciated.