Share 'Spray Foam vs. Fiberglass - R-value only?'

While fully wanting to have the most thermal barrier I can have, should I believe Rem/Rate when it tells me that R-value does so little? By changing the R-value # only for the ceiling (roof) in Rem/Rate, the cost savings is ~$75/yr on my house specifically, and the load reduction and carbon reduction are also nominal.   There is the ongoing discussion about cheating the customers by only spraying…