I built my house four years ago the way I wanted to! Everybody who watched me build it was scratching their heads wondering why I put six inch exterior wall up instead of the regular four inch. Then what really blew their minds was the two inches of Styrofoam insulation I put on the outside of the house. I wanted a Yeti cooler for a house and I got it. Tonight it is 25* F outside and we do not have the mini splits running because of the passive solar we got all day long through our sliding doors. Tonight when the temps will fall down into the single digits I will not be running any heat, but if I get cold I can always put on an extra blanket to stay warm. Heck, my kid in the basement regularly turns on the air conditioner to cool down on cold nights because the Earth heats up the floor. My garage is not insulated expect with the 2" Styrofoam and on freezing nights it is fairly comfortable out there.

Build a house the way you want it to preform, not like the government says you need to build it.