I'm trying to decide how to insulate my garage ceiling which is under two bedrooms. We get into the low teens in the cold months. My garage ceiling had 3" of insulation in the 10" floor joist cavities - which has proven to be insufficient. To make matters more interesting, the vapor barrier was installed upside down (towards the garage) and I observed some mold in the insulation as I removed it last weekend. I want to put in R30 insulation (9.5" thick) - but I can't decide on faced (towards the upstairs floor) or unfaced. The garage will have 5/8 fire-code drywall installed over the insulation. Can anyone share any insights to help me out?