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Information Junky
Join Date: Mar 2001
Location: an island, upper left coast, USA
Posts: 73,167
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As Milt once pointed out, windows are NO Where near as insulative as a typical wall.
John is in Portland where I expect that R13 (min) is code. Even a triple pane won't match that number.
FWIW; What I noticed in Scandinavia was a pair of double pane, plus heavy curtains. seemed smart for the area.
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Everyone you meet knows something you don't. - - - and a whole bunch of crap that is wrong.
Disclaimer: the above was 2¢ worth.
More information is available as my professional opinion, which is provided for an exorbitant fee. 
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