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Improving the insulation barrier between your ceiling and attic will only serve to increase your home’s heat retention in the winter. When it’s cold outside, the sun heating your attic is not going to increase the heat in your home more than the cold ambient temperature in your attic is going to decrease it. Before you pay to have this work done I’d genuinely consider whether there are other projects that would be much more impactful you could do instead. Definitely get other opinions from contractors first (never just get one quote for any project, prices and recommendations can vary widely) and see if you can get a certified home performance contractor to take a look at your goals
You might’ve insulated your garage door, but did you weatherize it? You can get decent weather stripping to go along all 4 edges of the door to block off the cracks. As far as insulating your garage ceiling, it’s something I’ve considered too, but one thing I don’t have an answer too is how that would affect the airflow or code compliance for my gas furnace and gas water heater, which are both in the garage.
Also, when we did an exterior remodel, we discovered there was no insulation in the exterior garage wall, only in the walls shared with the interior of the house, so you may be contending with that. We had that wall insulated when we did the renovation, and it made a noticeable difference. I’ve also planted trees to shade that garage wall, otherwise it gets blasted with afternoon sun.
If I had the energy and time, I would put batt insulation above the garage ceiling and also replace my attic stairs, which are old and poorly sealed. A mini split AC would also be pretty sweet.
You might be interested in watching videos by Matt Risinger on YouTube, he does a ton on insulation projects in 70s-80s builds in Texas