I will improve my insulation as I redo parts of my house. Not because of a financial savings but it will mean less energy usuage from my home which all in all is better for the environment. It is about choices not just the dollar.
I admire your intentions, but with out reviewing costs, how can you know if what you are doing is better for the environment? Insulation consumes resources in its manufacture, transportation, installation, and disposal. Will your lower energy usage offset these inputs? At first glance, it would seem nearly impossible to calculate.
Happily, most of the information required is contained in a simple format; price. By and large, an expensive item consumes either more resources or more valuable resources than a cheaper item. This means that if improving the insulation costs more than will be realized in savings, the environment likely suffers a loss.