If I understand right, you have A/C that you're using in the summer. Anything like the radiant barrier and also more insulation (and maybe an insulated wall in the attic between the attic over the living area and the attic over the garage) would likely help reduce costs, both for A/C and heat. Also look at air sealing the ceiling over the living spaces, meaning sealing around pipes, wires, fixture boxes etc. where they pass through the drywall or framing.