OK here's a few numbers - from my window schedule in PHPP nominally using Rationel Auraplus & Velux. S/W/E windows using Rationel Sun SKN176; N wndows using Rationel Auraplus 4/20/4/20/4; Veluxes using Velux Heat Protection Glazing 69:
Average Uframe=1.132, Uglazing=0.522, Uwindow=0.712, Uinstalled=0.822
If I change all the glass for better stuff with 90% of the U-value (e.g. 0.5 glass becomes 0.45 glass etc), the numbers become:
Average Uframe=1.132, Uglazing=0.470, Uwindow=0.675, Uinstalled=0.785
So, sounds like the Uwindow/Uglazing factor (the discrete derivative? ) might be around (0.712-0.675)/(0.5-0.45) i.e. 74%. Hope that helps .
I guess you can also sometimes get this from the window frame supplier's various double/triple glazed offerings - if you believe their numbers...
You can play these type of games fairly easily by mangling PHPP if you choose to.