Oh I agree, insulation will effect how the space holds heat. But how much insulation did you put under your slab Bob? I guess it depends on what you are going to use the space for. But my point was that if you are going to insulate, put some meaningfull insulation under there. Is R3 better than nothing, well yes, but not much
. And is this stuff ever going to reach or sustain an R3 over time?
My basement has a garage and storage, but I put 2"/R10 under the slab so if I want to heat those spaces, it will retain heat pretty well(walls 8" ICF at R30ish). As mentioned, if you think you are going to want to heat down there, it is way easier to put it in before the pour