Take a look at the photos attached. One of the local builders is just using Dow SIS R3 as well as Dow XPS R3 outside of 2x4 construction ... no OSB at all. I asked how he'll insulate to which he replied R13 fiberglass batts. Climate zone 5 which should have R5 outside of the studs to minimize the effect of thermal bridging and condensation ... correct? Is there a fundamental problem with this strategy? Is it really any better than what the other builders are doing with just OSB on the exterior? Seems like it still falls short in zone 5.