I'd be looking at it from the other direction.
Until last year there was no insulation. Fuel bills were X.
Now insulation is in, fuel bills will be reduced - but by how much? Even the most optimistic completely made up figures from loft insulation companies talk about "up to" a couple of hundred quid. I'd be thinking that in reality it's about a tenner a year (which in fact is borne out by my own experiences). Not more than a few tens anyway.
For that money saving, it's not worth fiddling about. Reduce the insulation to match the joist height, board easily with no extra expense on gadgets and adjustments, and you'll still have some insulation, being better off than last year but with storage.
So you might end up saving only five quid a year over ten (or twenty five over fifty, whatever).
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