So, I also talked with an insulation contractor today. In his words, I live in a leaky old house and new roof insulation would do nothing for me. The insulation we already have is fine. Now, if I had central air or heat, drywall walls, and tight window seals - well, then maybe insulation would be cost effective. But, it's not something he recommended.
HOWEVER, he DID recommend an Orange County company to do window film. He said they are miles above anything else out there. Their name is Tint Pros and the contact is Loni.
This is their web site.