What ever you do, put in reflective foil first! I'm in SUNNY Florida and heat build up from radiate heat is the biggest problem here. The foil alone made a HUGE difference in my garage. Foil by itself has NO R-value but it definietely blocks the radiate heat. It was the first thing that I put into my new metal building and it alone dropped the temperature from close to 100d inside to about 85d. You're supposed to leave a gap between the outside wall and the foil. I don't know if it's really necessary but I couldn't really attach anything to the the existing steel frame (5 foot spacing!) so I put in a inside wall made with standard 2x4 constraction (24" centers) and lined it with standard 3 1/2" thick fiberglass insulation. (I don't recall R-value but it was standard.) My building is made of 2" square steel tubing and I attached (taped) the reflective foil to that then build the inside frame wall right up against the steel one and added FG insulation and then covered everything with peg board. The steel building is strong but impossible to attach things to (AND voids the warranty!) But the 24" oc wooden studs makes it easy to hang shelves, etc. I never have to use heat and seldom have to run the AC. The empty 2" gap between the outside wall and the foil is nice for running wiring and pipes through! And no, there's no real danger of freezing pipes here!