...Nobody wants to mention the 'passive' methods of improving energy efficiency. I assume that is because they are a 'one and done' affair with no further profit to be made down the road. I had the attic redone to R-49 just before COVID, and the difference has been huge...
...The benefit of new windows can vary greatly depending on where you live, how many windows you have, and the aspect of the house. This house would certainly benefit, but to what degree given the outlay I cannot say. My wife's former employers (Mr and Mrs Loaded) had fantastic windows in their new build. It felt like almost no radiated heat made it through at all. I didn't ask the price, because I'm sure I could not afford it.
This ^^ Improving insulation & windows are the two things often recommended before embarking on other "active" methods. In older homes, properly sealing up the rough openings around doors & windows with low-expansion foam and making sure vapor barrier is sealed around them is one place to start. And most "green building" specialists say windows are the worst offenders of all. Even the very best high-perf windows like "Mr. & Mrs. Loaded" installed - probably coated, triple-glazed, argon-filled fiberglass frame - are probably only about R-8 equivalent

The average double-glazed windows are around R 2.5 equiv.
When I built this house in 2009, the local (coastal BC) building codes required R-40 in the ceiling and vapor barrier to be sealed to the frames around doors & windows, but only specified "double-glazed windows", and they are the weakest link here. Mine are "good", but only U 0.34, which is about R 2.94 (
according to this online calculator). The house is a prefab. with solid insulation EPS walls and 1.5" thermal break over the studs, so they're excellent. I have a light-coloured standing-seam metal roof but when it hit 100ºF the last 2 summers (
no snickering!) I began to wonder if heat from the attic was getting into the ceiling but I measured the ceilung temp. with a thermocouple and found it wasnt an issue.
When/if I build another house, I'll use the same prefab company, but go for better windows from a local manufacturer who are LEED and Passive House certified. And I'll put in fewer windows to try and keep the costs down!
As you probably know, in UK they have been on a heat-pump binge, but with so many poorly-insulated older homes, it's very expensive because they have to improve the insulation & glazing before installing a heat pump.