The type of insulation is not as significant as the air seal.
- You live in MN, so you know how well a good ski jacket can perform.
- But you will still freeze to death while wearing one if you don't zip it up!
If you can achieve a sealed envelope, the type if insulation you use takes on less significance.
- Go for the best seal and the highest R-Value.
- Foam in Place is an easy way to get the seal and R value, and has therefore become easy to recommend.
- Products that seal the framing from the inside to the shell of the house, followed with fiberglass work equally as well.
Geothermal is a high efficiency electric heat pump. Better than an air based heat pump, but still an energy user.
Any watt you save is a watt you don't pay for.