I have a 1957 ranch in Va, with a 3' tall crawlspace. Heat pump for heating and cooling; the floors are several degrees colder than the room temp. There is no insulation or moisture barrier under the hardwood floors or in the basement. The crawlspace is dry (I am at the top of slight hill.) I have been advised by two contractors that I have these options to improve comfort: put down a moisture barrier, to encapsulate the crawlspace, encapsulate the crawlspace and insulate the exterior crawlspace walls and to insulate under the floors. I have been advised that insulating under the floors first would not give me the comfort I am looking for. I like the idea of encapsulating and insulating the exterior crawlspace walls, but the price is high and I am not sure I will get my money back in energy savings. Suggestions are appreciated.