I hope your insulation is nowhere near your down lights or transformers!
You can get cans to put over the light to stop dust and other nasties (read bugs!) getting in. They need to be fire rated, and are not cheap, but might be worth a look if bugs are an issue.
These are not the ones I had in mind but: Products Page | Tenmat Downlight Covers
PS: I'm not convinced burying a downlight under insulation as show in the pic is a good idea, even with that cover.



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