Thanks for the responses... the bubbles are not super great right now... but some follow-up questions:
1. Are the summer months typically worse for this? Or the winter? Basically, should I insulate ASAP, or will winter be 'better'?
2. When insulating, should I bother trying to keep a 'path' to all areas of the attic? Or, perhaps better asked: Once fully insulated (to a depth of 4-6 inches), how does one 'walk around' the attic without falling through (and not being able to see the joists)? Should we put 4x8s down before insulating?
This might be a better question for another forum, but I'll start here.