Stratification is avoided by using a stirrer (low speed fan) to keep the air moving internally. This is important if the item in the chamber occupies a significant portion of the internal volume. Any shelving must be open to allow air flow.
Insulation results in heat loss or gain, the better the insulation rating, the less energy is required to keep the enclosure at the set point. Obviously there are limits to the temperatures that may be attained, at both the high and low end. If the unit is going to be operating at high or low temperatures, then the temperature controller is going to have to work harder, and insulation becomes a significant, since you will reach a point where the heat flow across the insulation is greater than the controller can cope with.
Accuracy is normally purchased, you get what you pay for. Calibration is an ongoing issue, if you are testing to standards, then a separate temperature measuring instrument will be needed that operates at the accuracy demanded, and it will need calibration regularly at an approved laboratory.
Just a few thoughts,
cheers,
Richard Gabric