In a perfect world, you'd be able to build the perfect wall:
* https://buildingscience.com/documents/insights/bsi-001-the-p...
What you should worry about in renovations may depend on which climate zone you are in:
* https://www.ecohome.net/guides/3521/climate-zones-map-usa-ca...
* https://basc.pnnl.gov/images/iecc-climate-zone-map
> Can I improve insulation without causing moisture and mold at the boundary? Can I upgrade my furnace to a heatpump without first improving insulation and air tightness? Which of the several ways I've read about is the best to condition my crawl space? And now I'm reading that I shouldn't seal up the drafts in my home without one of these air exchangers? Etc etc
If you're serious about this, then hiring a consultant / company who specializes in this would be a first good step:
* https://www.youtube.com/@HomePerformance/videos
* https://www.youtube.com/watch?v=t-GIzX6bLeU
The money you pay upfront for a plan may save you cash down the road to make sure you don't do things in the 'wrong' order or buy incorrect equipment (type or size). The above two presenters are a good start (and do remote consulting AFAICT), but looking at ResNet-certified folks (in your area?) is a broad good start.
Generally, for indoor air quality (IAQ), you want to go air tightness (even without extra insulation) and then get a ERV/HRV. If your current furnace/AC is working fine then letting it run for a few more years won't harm anything, and changing it won't help IAQ or comfort. For crawl spaces, making it conditioned is a good start: insulation and a 10+ mille ("mill") poly tarp so stop moisture drive would be a good start.
P.S. If you think you have problems, I grew up a house from the 1890s.