I have recently purchased a home built in 1910. It has some 41 windows, and 3 sets of french doors. The house also has absolutely no insulation in the walls, attic, or subfloor. This home is located in the gulf south. So obviously I am concerned about my southern electric bill. Everyone keeps telling me to insulate and replace the windows, redo the A/C system, etc. I can insulate the attic and crawlspace easily, but the walls are another matter. My quote on 41 replacement windows is $10,000 (Low-e, double pane, argon filled). So my concern is that I replace these windows, and I wont really get any savings because the walls will be uninsulated. Is that a correct assumption or not? My experience has always been that windows in the south dont offer much savings, and I am really trying to maximize the budget here. Should I just get the low e coating on the windows that get sun?