Lots interesting thoughts about buildings.
We have had one in mind for a few years since our move to the tree farm.
When I first started looking, I was looking at building my own from an an insulated building kit from Hansens pole building company- 2 years ago- 36 x 36', 14 foot walls, 2 large bay doors, 3 windows, 2 Man doors, vapor barrier, 29-gauge steel panels, Permacolumn wetset brackets, trilaminate 6x8 posts, no framing nails nails, all other fasteners- for a cost of ~ $18 per square foot.
Contacted another company in N ID for a 30x40 turnkey insulated building using permacolumns, insulated, 4 inch slab, 14 foot walls, 2 man doors, 3 window, etc... ~$35 square foot.
We could not complete the project 3 years ago.
We contacted the North Idaho company and their price increased to $42 a square foot last year.
Where having a different builder work with us for a 2200 sqft building, 4 inch concrete (they do the concrete work), 3 12x12 bay doors, 13' oc trusses,14 ft wall, 18'" overhang turnkey building at ~ $35 a square foot. Our snow load is 80 lb/sq ft. Building this spring and done in about 4 weeks start to finish.
For those of you with the skills and time to build your own building, my hats off to you. I figured I could develop the skills but I can't fabricate time.
--- For the OP, If insurance is going to provide about $40K for your building then will be well on your way to a great building. My contractor friends and local farmer all say the following: build a bigger building than you think you will need. No one says I wish I would have gone smaller.