This region sits in a cold-severe climate band, and that's true whether the house is from 1976 or 1999. The difference in Elburn is that the garage was built assuming an insulated door would be there from day one - tighter sealing around the frame, sometimes a vapor barrier behind the drywall. Put a cheap, non-insulated door into that opening and you get condensation and cold transfer the builder never designed for, because the rest of the garage shell is holding heat the door isn't.
The other local number worth knowing: Elburn's median household income runs $106,506, well above the $89,488 median across our full coverage area. That tends to track with homeowners who want the door to match the house - real insulation value, a quieter belt-drive opener, a finish that looks intentional rather than the cheapest SKU available. We don't push upgrades nobody asked for, but we also don't install a mismatched door and call it done.