Approximately 70% of the heat loss from your body is as radiated heat. Ceiling insulation is critical for thermal comfort. Have a look at the Efficiency Matrix YouTube channel videos on insulation consistency.
Less that 2% of insulation being out of place can waste something like 40% or some ridiculous amount of energy. It's quite nuts how even just a little break in insulation can have a significantly negative effect. A few years after I moved into my first home - a townhouse - I added some R-16 bats to the already existing R-12 insulation in the attic and it more than cut my heating bill in half. It was a three story narrow, townhouse - not that much square footage of ceiling compared to the walls/rest of the house but it made ALL the difference. If I didn't live it, I wouldn't have believed it. And I kind of did it on a whim since I didn't need that many and Lowes was having a sale on insulation. I would have done it the first week I moved in and had a couple far more comfortable winters!
It’s still a thermal path between inside and outside, and thus wastes energy if you’re trying to maintain an internal temperature that is different from the external temperature. Also there are radiative effects - hot spots on ceiling will radiate IR into your space. Just try standing under a corrugated steel roof in the summer.
Because in the winter the thermal energy within your room will “flow” out of those “cold spots” at surprisingly high rates; in summer those spots act as space heaters. In both scenarios they will adversely affect the ambient temp of the room. In short, whatever method you use to heat/cool the room will have to work harder and will take longer. Here’s [0] a good overview of heat flow in this context, with some hints towards the math behind if you wish to go deeper.
