Should the ceiling under the attic be insulated?

Hello. We are currently renovating a mid-terrace house. Built in 1963. Everything needs to be completely renewed: electrical wiring, water pipes, heating pipes, etc. The house is currently basically in a shell condition. The ceilings in the interior rooms were originally insulated with reed. We have removed that. Now the ceilings are basically completely "naked".... only the concrete blocks are visible. We want to clad the ceilings with drywall and had considered insulating the cavity between the ceiling and drywall. But we were now told that interior ceilings are no longer insulated nowadays. That confuses us.... Heat rises and would then escape through the ceilings and attic (which is not insulated at all), wouldn't it? Furthermore, we have read that at least the last ceiling below the attic should be insulated. Long story short: a) Do the interiors' ceilings need to be insulated? If so, with which insulation material? b) Does the ceiling below the unheated and uninsulated attic need to be insulated? If so, with what insulation? c) Does only the attic itself need to be insulated? If so, which material? We would be very grateful for opinions!

You are renovating/restoring an old house, but you have been advised not to insulate the upstairs? By whom? The gas lobby? OF COURSE, the upstairs should be insulated (common sense). Or more bluntly: Must (law)! I recommend § 47 of the Gebäudeenergiegesetz - and an energy consultant.

You are renovating/refurbishing an old house, but you were advised not to insulate the top? By whom? The gas lobby? OF COURSE the top should be insulated (common sense). Or more bluntly: It is a must (law)! I recommend § 47 of the Building Energy Act – and an energy consultant.

But not the ceiling from below, rather the ceiling from above.

Yes, that surprised us as well. And is it enough to insulate only the floor of the attic? Is it unnecessary to additionally insulate the ceilings of the interior rooms? Previously, there was also this reed in there. Or did this reed serve a different purpose before?

So I assume a wooden ceiling? Unless you need the attic, I would roll out 2x12cm stone wool crosswise on top of the attic floor. If there are slopes in the living areas, don't forget them.

So I assume a wooden ceiling? If you don't need the attic, I would roll out 2x12cm rock wool crossed on top of the attic floor. If there are sloped ceilings in the living rooms, don't forget them.

No, no wooden ceiling. Everything is solid with concrete blocks.