There's also a bathroom over the garage, and I've noticed definite hot and cold areas on the floor. There are two vents in the bathroom--one right under the window (closer to the front of the garage) and one at the opposite end by the door. I took out the grills tonight and pried the boot away from the subfloor to take a peek beyond them.
What did I find?
1) Kraft-faced fiberglass insulation between the garage ceiling joists.
2) A huge (20"!) vertical gap between the top surface of that fiberglass and the bathroom floor. I couldn't believe it at first, so I measured the height of the garage ceiling compared to the ceiling inside the house. There's an 18" difference.
3) additional insulation in the floor around the vent under the window (I couldn't see this one very well). This is probably just the insulation in the external wall.
I'm puzzled as to why there's such a huge gap there. Sure, 10" or so will be for the floor joists, but that leaves quite a bit more room. There don't appear to be any structural reasons for the difference, unless the utilities need to run crosswise vs the 2nd floor joists and the builder decided to leave that room. Given the (lack of) quality in how the rest of the home was built, I highly doubt that's the reason.
I guess the next step is to find the least-destructive way to get a look inside that void. I'll probably pull that boot out, strap a flashlight and a cell phone to a stick, and stick it down there to see what's up.
@Dan_at_home, given that the kraft-facing is on the top of the fiberglass batts, I think blowing in cellulose becomes a much more viable option.
BTW, I went up to the attic today with a can of expanding foam to seal up ceiling penetrations (none were sealed, naturally, and almost all had dirty insulation around them), and the attic has only about 12" of fiberglass blown in. Pitiful. It's on my to do list to rake all the insulation to one end, seal all the remaining penetrations, and blow in a couple feet of cellulose.