When we built our house, we had the foam sprayed in professionally on all the outside walls and, after we hung the ceiling sheetrock, they spray foamed the top of the sheetrock {attic floor}. Then, a couple of years ago, just for grins
, we added 42 bales of blown in cellulose ourselves {about 6"}. Of course we did it the year
before the IRS was giving tax credits for this kind of improvement.
If you are planning to live in your home for a long time, making it more energy efficient is a no brainer. The house is more comfortable and cheaper to operate.