Apparently a company called
Serious Windows makes some... really serious windows as far as R-value.
They have double pane windows that between the two layers of glass they have layers of UV stabilized plastic that create a total of 4 air chambers in the glass so you get a window that has an R-value of up to R-11.1 for a fixed window, where a clear uncoated panes of glass with air in the cavity between the panes has an R-value of 2, adding argon bumps it up to R-3, for comparison R-11 is the insulation value of a 2x4 wall.
http://en.wikipedia.org/wiki/Insulated_glazing
Most windows in the house never get opened, altho it is a good idea to have some windows that do open for cross venting but if you can make a number of the windows in your house picture windows (non opening) they will both cost less but they will insulate better.