If you want more insulation in the floor, there are many reasonable ways to obtain that while working from below. The garage below must already have some sort of drywall for a fire barrier. That barrier must be kept. You can add foam insulation to the ceiling and then install more drywall over the foam. Just make sure drywall screws are used that are long enough to penetrate at least one inch (25 mm) into the floor joists above.
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