Here's my thoughts on your wall.......
if you think you can get 4" of insulation on the outside of your assembly and still stack stone on the wall, then your going to need a pretty thick foundation?
I think it's hard to beat a 2x6 flash and batt wall with 2" of eps foam Thermall brake is gone, air seal can be virtually perfect, and use cellulose blown in the wall cavity. The performance is great.
Also be aware allntruss packages do not come with energy heels.
Unless you plan on no windows in your house, too much thought can be put into the perfect wall.
I can heat a mcmansion and a ton of large windows with a 3cuft firebox 5 cords of wood and a very little amount of forced air propane in the shoulder season, with the above said wall assembly.
The stove room is large with 16ft cathedral and typically never gets to a "Holy cow it's hot in here" point,which I think is key.
Initial cost vs efficiency vs longevity and comfort of your dhw system is important for sure. I'm not sure what that answer really is now a days vs 5 years ago when I looked last. In those days I thought a 50 gallon electric for 400$ was hard to beat??
Yes, I am not sure what the foundation detail looks like yet for walls that will have rock/masonry elements. We are going to use ICF with 6" concrete and 4" thick (each side) foam.
Trusses will have energy heels. My builder is on it.
I understand about too much thought. I have spent many late nights for the past 3 weeks reading all that I can. Not fun. Current thoughts are as follows:
1) drywall, 2x6, roxul batts, sheathing, WRB, 4" comfortboard (availability of CB concerns), 3/4" furring, rainscreen
- time tested. will work. worried that there will be a lot of screwing around with furring strips/siding. don't necessarily like the window being an "inbetweenie" (set in ~5" from exterior)
2) drywall, 2x6, sheathing, WRB, 4" rigid foam (XPS, maybe, but environmental impacts + questionable long term) shrinkage/performance issues; EPS, lower R-value, but maybe better on the shrinkage front), 3/4" furring, rainscreen
- time tested. will work. sim concern on "inbetweenie" as #1. i have doubts about vapor transmission, but apparently with foam this thick, sheathing will be "warm" and thus there is no issue with whether house dries in or out
3) drywall, 2x6 (or 2x8) staggered 2x4 studs, dense pack cellulose, sheathing, WRB, 2 or 4" comfortboard or rigid foam, 3/4" furring, rainscreen
- blend of issues from #1 and #2, dense pack installer is critical so no longterm air gaps form at top of cavity
4) drywall, 2x4 double stud wall, roxul batts or dense pack cellulose, sheathing, WRB, 3/4" furring, rainscreen
- double stud walls are seemingly controversial (strong arguments in both camps). biggest issue is whether the cold sheathing is a long term issue with wetting/drying cycles. i like the deep windows and having the windows be "outties". easy to handle cladding and rainscreen. highly dependent on cellulose installer (if used) - and not sure if it's cost effective if using roxul batts to fill the cavity. if doing roxul, i'd do 3.5", 5.5", 3.5" batts (vert, horiz, vert). this option loses a lot of interior square footage.
5) ICF (same as basement)
- some doubts on claimed R-35 performance. air tight. no long term flexibility of house modifications (hopefully there would never be any). would likely require interior 2x4 walls throughout house for drywall, MEP, etc. sim to #4, this loses a lot of interior square footage. should have best reduction of thermal bridges of all options
I'm leaning towards #4 because I think holistically it is the most efficient (cost and time and material) to build and I like how the windows would feel being trimmed out 12" deep. All the anectdotal stories of long term performance are favorable for cold climates, but I do have concerns with the wetting cycle due to cold sheathing. I understand that you cannot put exterior insulation on these walls, so you do end up with a lot of thermal bridging locations. Additionally, how this would integrate with the 4" of ICF sticking out is something to consider.
If supply chain issues weren't a thing, I think #1 would probably be at the top of the list, but I question if we can procure comfortboard. Gutex multitherm was another option (more $), but it too is not available to us in Canada with any reasonable supply chain.