I am fairly sure that you have also insulated your roof. Insulation is more of a material property after all – if you install 36.5 cm of material with a U-value of 0.09 W/mK, that is also insulation. You can quite easily calculate what insulation brings... the difference between a U-value of the exterior wall of, for example, 0.15 W/m²K and 0.24 W/m²K would amount to about €100 per year in heating costs (1400 kWh) for our house. Costs for the insulation: one layer of mineral wool at 8 cm for 200 m² of exterior wall. Material price €1200. Additional effort, due to another layer, about another €1000. Not a great return, but also not a losing investment.