Hi. My personal experience is that it is far more cost effective to build a well sited, modestly insulated dwelling, and use energy storage and PV to power R/C airconditioning as required.
I cannot see the point in spending $20k plus to achieve an insulation level that will still require some form of heating and cooling. (our area this year saw maximum temp of 46deg, and minimum of -7deg)
Even on the hottest days you can still vent in outside air to maintain freshness in the house, it is no extra cost to run the thermostat on the A/C very low to get your desired temperature.
In a house relying just on insulation, you aren't able to have fresh air circulation, which is what a lot of people don't like about R/C airconditioning in the first place. I can't really see the point.
Even in a house that is grid connected, i'd be interested to see a professional survey done on the cost of retro-fitting insulation, vs fitting a stand-alone R/C airconditioning system including PV /storage / inverter with the aim of maintaining temp between 20 and 25deg.