The subsidies are a scam that make construction companies more wealthy, there has hardly been a drop in the price you eventually pay imho. I insulated my entire house myself... No subsidy. Ah well, it is more comfortable (though partly we are exchanging the ability to stay warm in winter with that of staying cool in summer), but to say I really notice that we use much less gas... Not really actually. Strange right? I expected much more from it.
Insulation helps with both staying warm and cool, though. After all, a big foam beer cooler is just a hollow box of insulation.
I think for a lot of Dutch houses the real issue is draftiness. No amount of insulation fixes that. Hell, the windows have required vents that can't really be closed properly installed per code. I thought the previous owners were quirky but then noticed _all_ the houses have these weird vents at the top of some windows.
I think a CO2 meter is an excellent idea, imho it is a good proxy for "air freshness", so also small particles etc. This year I want to try to ventilated more based on CO2 (so close the vents until CO2 becomes unacceptable) and monitor gas use (hooray for Home Assistant).
Yes but... check the CO2 levels when you close the vents, and watch the water flow from your windows, and see the mold grow on the north wall.
Also, isolation keeps out the heat... Until it is inside, then it keeps it there. I agree it makes air condition more economical, but not many people have them (yet, it's booming).