Terry, this is what I mean by Thermodynamics "mass does not conduct heat "away" it is renewed internal and hidden with phase change" & "moisture and airflows or vapor pressures, along with many other interactive dynamic material properties". These theories/calculations have less do with mass or insulation than maintaining a closed system.
You mentioned human factors as well: A dry air tight home conserves heat better, but feels colder to people because the air does not conduct heat very well. A damp air tight house grows mold. In order to avoid these problems you exchange air or water with the outside so it is no longer a closed system.
I am sure the people at ORNL are very smart, but they are doing grant based research and not so much applied or independent research.