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Information Junky
Join Date: Mar 2001
Location: an island, upper left coast, USA
Posts: 73,167
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I would expect that you would have diminishing returns beyond R38 (if not sooner). Attic insulation is a bit bigger player in cold climates --hot (room) air rising. In your case, you want to keep a pool of cold air in the house - meaning floors and walls need to be well sealed w/some good insulation.
Also, for the attic, a good radiant barrier (foil-backed insulation) should prove worthwhile.
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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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