The Laws of thermodynamics state: Heat Rises, and Always flows from Hot to Cold. So, given that, I would add as much insulation as possible, from the ground level to ceiling. Just think of a "Thermos Bottle", and or Cave, as an Example of Retaining Heat, and or Cold, (which is defined as the absence of heat). This is one case that I know of, that "The Bigger the Glob, the Better the Job", actually applys!
Wayne
PS: I know of a person in town that used 2 inch foam board on his roof, and reduced his bill to 15 bucks a year, along with ALL the other several energy savings devices he used. This Guy had a Plenum House, and used the cool slab crawl space to cool his house, with a whole house fan! If you want more info, PM me.
Wayne