I love this site. You guys are great. So, I probably should have mentioned the intended usage of the garage. I am going to use it as a place to keep the dogs when I have workers in my house helping me to remodel the interior, so I want it to be comfortable (insulation). I wont have a car in there (my car is not garage worthy), but I will have a strange mix of dog crates, tools, and my treadmill. I am hoping the insulation and covering will also add some measure of sound reduction to be sure to not annoy neighbors with the sound of the treadmill or if the dogs bark a bit.
If I just used it for tools and to store the car, I would probably not insulate and try to finish as it is just a small stand alone one car garage.