Next March, we will start our retirement home. It will have a basement, and the basement walls will be insulated on the outside only. Whatever temperature is at 6 ft. underground will spread to the walls by "wicking". With proper ventilation, it will be dry and cool. There will be no air conditioning, I am depending on that cool concrete to cool the upstairs just by circulating the air to the upstairs. Backup will be an evap cooler.
Going to use SIP's for the shell, which has an R factor or about 25 for the walls while being only 4.5" thick. A little extra foam on the outside of that, under the fiber-cement siding will add more to the R value.
Will use a combination of flourescent and LED lighting, and a central sun space that will also help heat the house.
Low-e dual pane windows will help keep the heat in without reducing solar gain much. Energy Star gas furnace and solar augmented water heating will keep those bills down. Thinking about a gray water system as well, using shower and washing machine water to keep my lawn green.
Testing the house to get the Energy Star rating is required to get any tax breaks, or utility company rebates, but the cost of the testing pretty much takes all that back. So I probably won't even apply for the funds.
I am doing it because I am convinced that the energy worm has finally turned and we will be paying a lot more for our electricity, gas, water, etc. from now on.
You pretty much have it right,
argonaut, about body temperature vs. air temperature. As long as the air temp. is around 80 or less, it ain't bad, as long as the humidity stays within reason. It has been well over 100 here in Phoenix for a long time now. I am getting very tired of it. I would try the cold shower bit, but the pipes around here are buried too shallow, and the cold water comes in already warm.