We are purchasing a home that will need to have all the siding (stained wood) and sheathing removed due to insect and woodpecker damage. We live in zone 4 and the walls are 2x6 on 16" centers. All the windows are going to be replaced as well. I am torn (monetarily) on closed cell spray foam but have concerns about settling on FG or Cellulose. The plan is insulation, 1/2 ply, housewrap, 1/4" XPS (R1.6) , then foam backed vinyl siding (R1.6). My first instinct is 3" of closed cell (R18) sprayed direct to back of drywall but thats a bit $$$ so am looking for any all ideas or flaws in plan. Thanks,