Sorry for not being philosophical on this thread.

But to answer the insulation question...
A lot of homes that have been retrofitted with cellulose (usually blown through holes drilled from outside) do have sagging insulation. That's the installer's fault. It's one of those you get what you pay for things.

Wet (just damp, with water) spray celloluse went into my walls, and it dries in place and sticks. It's very dense and fills all the air spaces. (I have a 2x6 curtain wall outstide the frame by the way.) And it sticks in the walls even after it has dried out.

The wet spray won't stick to roof surfaces, so they staple fabric on the framing, and then I strapped over the fabric. They punch a hole in the fabric and dense pack (the big difference between a good and bad installer) dry cellulose. You can dry spray walls as well under sheetrock, or with fabric and strapping. It really needs to be strapped because the cellulose bulges the fabric out between the bays.

SIPS are great and fast, but they're not my deal (expensive and OSB). Feel free to PM me on any other insulation questions.

Brad