Insulation below a warm loft and terrace

[BartW]

Hi,

Quick question:

 

One of the bedrooms and a double height living room will sit below a "warm loft", which is fully insulated for walls and pitched roof to 0.15u Value. Would you add any insulation both from the sound, or heat insulation below the said loft? Sound insulation properties are of no value here, but heat? do I want to keep it in the room?

 

Similarly, another bedroom will sit below an open terrace. The said terrace is also insulated to 0.15 u Value. Whilst it is "it" from the heat perspective, is there any added (real) value in having RWA45 between the joists here? Thumping noise will be fairly well reduced by the 150mm PIR buildup and decking on pedestals on top. Leave with nothing else then?

 

Thanks!

 

Bart