Seal first, then insulate. I read somewhere that every $1 spent on insulation is worth a few bucks saved on heating/cooling. And insulation on the outside is more effective than on the inside - maybe you can wait 5-6 years for that to be done?
Of course, in the meantime you can install a mini-split or two and use the baseboard on colder days, or only in rooms without the mini-split. Just make sure that you don't end up with a surplus of minis after you finish sealing and insulating.
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