According to the Keystone Avalanche brochure (2017) on page 12, the R value for the walls is R10, the floor is R37 and the roof is R28. The windows are single pane and dual pane windows are an option. The underbelly is "insulated" with thermofoil (aluminized bubblewrap), fiberglass batting, rigid foam and the bottom layer is "coroplast" (corrugated plastic sheeting). There is a 2" heat duct that runs from the furnace into the underbelly. Additionally, the other "main heating ducts" are "non-insulated" foil ducting (similar to a dryer vent duct) and they "meander" through the underbelly. This provides some added heat as it "leaks through the duct walls". The bottom of the holding tanks is not protected except for the thin layer of "coroplast".
There appears to be more insulation and better "heat management" in the current model Avalanche than in other "less expensive" fifth wheels manufactured by Keystone.
You can download the brochure at
http://www.keystonerv.com/media/2882..._nov15_web.pdf There is a wealth of information on the Keystone website, little of which you'll find at most dealerships.
Regardless of which brand or model fifth wheel you decide to buy, keep in mind that it's still a "trailer" and won't be insulated as well as most "stick built homes" and will probably use significantly more LP gas and electricity than a similar sized permanent dwelling. Additionally, the water supply hose and the sewer hose will need to be "managed aggressively" to keep them from freezing.
As for price, most that I see advertised on the internet carry a MSRP of 75 - 85 thousand and are being advertised for around 50K. Add sales tax, delivery, prep charges and you're looking in the neighborhood of your $55K limit. You may find a 2016 unit in a similar floorplan that is discounted even more than the current models.
With no knowledge of your lifestyle or recreational pastimes, keep in mind that two people living in less than 400 sq ft during inclement weather, when "trapped inside" often find that the space really becomes much smaller than they'd prefer, so consider more than "just staying warm" in your decisions on whether to full time in a fifth wheel. It can be a very rewarding experience and it can also turn into a very costly investment "loss" should you discover that one (or possibly both) of you don't want to "live that way" after a month of "winter camping"..... That's not to say you won't enjoy full timing, but if you haven't done it before and have only limited experience with RV's, there are significant considerations beyond "it's the same as a small version of our house"...
Good Luck with your search and if you have any questions, someone here will probably be able to give you a "experienced" answer.