Greetings @alexdory I am initially very pleased with this tags dedicated to engineering works. As all construction costs are based mainly on the budget, an excellent design is not always the most expensive but the most efficient, for this case it is very interesting your approach that includes the insulation system for homes totally necessary for the winter season where low temperatures occur and even more so when there is a precedent resentful of drastic decreases in temperature in different latitudes of the world.

Very well explained and detailed explanation of the whole system encouraged by the different parts of the structure that are involved in the heat loss, The influence of the wall thickness as explained can decrease according to the wall thickness and therefore the budget of the materials according to the thermal conductivity is in its majority of medium cost for this reason the ideal would be the selection of materials that guarantee pleasant temperature especially in summer and help to maintain the internal temperature in autumn and winter.

Very good the suggestion of using different layers of clay bricks from the outside, which in the tropic countries helps to keep cool internal temperatures while outdoors there is a radiant sun. The combination of all these materials allows the structure to breathe and produce an exchange of moisture outside the house.

It was a pleasure to enjoy your post, very complete in terms of the basic information needed to devise a good housing project, you have my Upvote and Resteem. @renny-krieger