Jin-Xing Ma's apartment has a new hat, and a five-layered coat. Standing in her living room, her trim frame ensconced in a purple sweater, Ma is effusive about her home's new wardrobe.
It's a very good idea! I have 14" of insulation in my loft.
You need to insulate the pipes and tanks to the same, or a higher level, as the loft.
No you don't. You don't even have one micron on top.