I think you will be surprised what the polar cap treatment will do. We got a metal roof on the house a few years ago. Yup. I got it in white. I can see the difference in the electric bill now. It helps. My 75 F250 is white with a white headliner and still with the factory insulation. It's WAY cooler than our red 2004 Escape when we get in each going somewhere. It's a huge difference in temperature. When I finally paint Vixen, she'll get the polar cap treatment too.