What do you mean you won't get a tax deduction for IRA contributions at all? The amount of tax deferred income you can contribute to an IRA is not dependent on your salary, although it is much lower than that which you could contribute to your 401(K).
Sorry the 401(k) at your place of employment doesn't have choices that suit you - mine has many index funds that are basically no-cost and over the 15 years or so I've been part of them, have generated returns of nearly 10% (yes, that includes the recent downturn)
It's great that you are saving a lot of money, and paying down your debt...if you made smarter choices, like using a home equity line of credit instead of credit card financing to do your insulation work you'd save even more.