Insulating the water lines in your home can save you money and trouble. Water can collect in your pipes. In the winter this can be especially troublesome as the pipe could freeze. If this happens, the force of the water expanding during freezing can cause your pipes to break. Insulating the pipes can help avoid this from happening.
Yes, you should. More importantly, you should insulate those waterlines before next winter.
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For all systems using HFC refrigerants
Yes, you should definitely insult it.
Insulate cold water lines and fittings as much as possible to help with condensation issue.
Any water lines in a crawl space that don't have insulated walls should be insulated unless you live in climates that temperatures don't go below freezing (32F). I recommend that you use all the inside walls as much as possible for your water lines. You can also insulate your crawl space walls then you shouldn't have a problem on your non insulated water pipes as long as your crawl space is below your frost line. In colder climates its against code to plumb water lines in exterior walls.
I see no reason why you would insulate them. When you close your pool for winter you will purge (empty) your pump and pipes. The water in the pool would freeze long before the water will in the pipes under ground.
They should insulate their house before they insulate their hot water tanks because if the house might be cold they would want to turn on their heater and heat the house. If their heater is on with the water tank that would take up alot of energy.
It can help, but only to a point. The better alternative is to insulate the problem pipe or use a "heat tape." If there is a vanity or kitchen cabinet you may consider rerouting the hot and cold lines into a heated area within the vanity or cabinet.
yes it is fine to insulate the whole water heater from top to bottom and the first two meters of hot water outlet piping.
28 degrees above zero (Fahrenheit) for more than 4 hours will freeze your pipes, so insulate, insulate, insulate.
Cold water lines may have more insulation than hot water lines, otherwise they should both freeze unless there is some agent in the water.