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All things being equal, more area to insulate will yield higher R values. It will also provide a more robust home. Does it pass the point of diminishing returns? Very likely.
My father in law the contractor built a foam block house, foam blocks that fit together like Legos and then are filled with rebar reinforced concrete. Ultimately you get a home built of 12" concrete walls, with high efficiency HVAC, blown attic insulation, and Andersen windows their heater bills for the new almost 6000 sq ft house is about 50% what they paid for their old 2500 sq ft place.
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