ok, my research has shown that insulation in an unconditioned crawlspace can be done in either of two ways.
if the crawl space has water piping and uninsulated duct work that the walls should be insulated.
a. close vents and use bat insulation from mud sill to floor and extend two feet onto the floor.
b. use 6mil plastic to cover the floor (using correct installment procedures)
if the crawl space has no piping then insulate the underneath of above flooring. (using correct installment procedures.)
My question is if there is a furnace in the crawlspace it will need supply air so, you cannot cover or close the vents to that area. This tells me that I would have to insulate the water pipes, the heating ducts and then insulate the floor above. What do you think?
In my climate and soils area, I like insulating the rim joists with batts after caulking and the crawlspace walls with rigid 2" ± of polyisocyanurate and covering the ground with appropriate ground preparation and cover.
Then, one could use a cat 1 furnace and/or insulate the combustion air duct(s) needed on a less efficient unit going right to the intake on the furnace from the exterior.