I'm south of Kentucky in a new passive solar house we designed and built ourselves, and I can definitely second the south-facing, not north-facing windows. Otherwise, there's no point at all. But do be sure you have those deciduous trees or a porch with a roof to shade the windows (the lower sun angle in winter will let some sun come under if it's done right). It's not actually easy to pull off the angle just right even when you design and build the house, but even some passive solar heating helps.
I'm of two minds on the low-e glass, actually. Ours robbed us of a lot of the solar gain we were looking for this past winter. I think overall it's worth it here, but I'm not at all sure it would be in Kentucky.
On the insulation, ask, and ask about the R value. Code calls for R38 in the roof in Kentucky, but anything older than a couple of years will likely have R30. You don't want less than that. Often it's cheap to add in the attic; ask your home inspector about that. Walls are much more difficult.