I live in a small 1920's Craftsman-style home. Most of the plaster/lathe walls are in decent shape and we feel we can fix most of what's cracked. However, there is absolutely no insulation in the walls. We are in a temperate climate (mid-Atlantic states) and the recent sub-zero temperatures made living in the home, especially the upstairs, almost unbearable. We are beginning to save up to insulate and are wondering if blown-in cellulose (from outside) actually provides any insulation for our climate or if we should just take a pill, bash down the plaster and lathe, and insulate w/ the pink stuff from the inside and replace w/ dry wall. I know it's a nasty, dusty job to take down plaster. Our dining room might have to have that done anyway, as the exposed back wall plaster is the worst in the house. The cellulose stuff just looks... well, like ground up newspaper, which it is. Thanks for any advice!