Insulation is so, so important. I work out of my garage currently and Texas winters get reasonably chilly and of course summers are hot. I'm lucky enough that my garage is actually under a room in my house such that it's insulated (as you imply, roof insulation is one of the most important places to insulate). Even simply adding padded insulation and trim to the exterior door and garage door made it viable enough to stay cool in the summer with zero extra cooling and warm in the winter with a small infrared heater.