Its INSIDE OUT!
I am sorry but you have it all wrong, not just you - the entire country. The insulation belongs on the OUTSIDE of the structure.
I have simplified it here but this is it.....
Most building scientists are just realizing that now, Canadians and Germans figured it out decades ago. Without going into a huge discussion on heat, vapor and air transmission and physics - simply put. installing all your control layers on the outside of the structure is the way to go in every climate.
Vapor control, thermal control and water control and air control properly placed outside of a structure will reduce the heating / cooling loads so dramatically that you wont believe it - OK not a very scientific answer but currently I am designing and building structures with no central cooling or heating plants in the northeast.
Think about it if you insulate on the outside you are doing two MAJOR things
1.Preventing the structure from heating up in the summer by keeping sun, heat outside
2. Preventing the structure from cooling off in the winter by using the thermal mass of the structure to hold the heat inside
Dont use a vapor barrier inside of a structure - long long discussion for another time.
We are moving towards UNVENTILATED compact insulated roofing systems (see SIPS panels) and right now I am installing 6" of polyiso on top of all roofs that I do or design - one owner saved 30% on his fuel bills the last two heating seasons without any other building mods. ( and before you ask we compare fuel consumption to Heating Degree Days ) so we know outside temps vs fuel usage
Its all about the air sealing and insulation. Polyisocyanurate rigid or XPS rigid sheets properly installed outside a structure works - also consider the garage FLOOR and if you are building new put at least 6" of XPS under the slab. This is a huge discussion but DO AN INTERNET SEARCH for insulated concrete forms and passivhaus and Energy recovery ventilator / heat recovery ventilator, SIPS panels.
Connect all the control layers together so the building is relatively airtight, air seal all penetrations window openings etc
Its a bit more to do it this way but its relatively easy. Attached here is a pic of what I mean - back ventilated wood cladding over polyiso that is used as the air control and water control layer - all joints taped and sealed. This place will never need to be repainted in 100 years.