I am about to insulate my new 18x26 detached garage and I’m trying to decide between R-20 and R-24 batts for the walls. The cost difference is significant, the R-24 is almost double the cost of the R-20. R-24 is about 1$/sqft and the R-20 being around 0.50$/sqft. I am in Montreal so we definitely get some pretty cold temps in the winter. Will it be worthwhile to spend the additional money on the R-24 or will the difference in heating costs be so minimal that it would take decades to recoup the additional costs?