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Before I saw this chart above ^^^^ I was going to say that the only place I would need R38 insulation is in the arctic. I've always thought that in a climate that has a bonafied 4 seasons, R-24-R-28 was good enough.
The spray on reflective paint seems like a gimic if the silver is on the inside of the roof , it would reflect the heat already in the attic back towards the ceiling, and honestly, in an unheated and unlit (by sunshine) attic, I don't know that it would do anything but lift the hundred dollar bills from your wallet.
I rented an insulation blower from Lowes, and for a couple $100 bucks, and one afternoon, my son and I did my entire upstairs attic on a 2000 sq ft house. Yes, it was messy, but it sounds like I saved a couple thousand doing it myself.
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