House Works: Insulating a cold cottage floor and drying lumber

Insulating a Cold Cottage Floor
Q: What’s the best way to insulate the underside of a cottage floor that’s four feet off the ground? I was thinking of fastening insulated panels to the bottom edges of floor joists.
A: Instead of your current plan, I’d fasten then to the underside of the subfloor, between floor joists. Resisting animal invasion is the reason why.
If you create a big, empty space between the joists, mice, squirrels and chipmunks will chew their way in and make ma