The U-factor involves the entire assembly from exterior air film to interior air film. U-factor is the inverse of the R-value and considers, as tmurray indicated, the thermal bridging of stud elements. For example, a wall with 3-1/2" metal studs at 16" o.c. with R-11 insulation has an effective R-value of 5.5 (0.18 U-factor) due to the thermal bridging of the metal studs. The R-value table only takes into consideration the R-values of the insulating materials without considering how the insulations' performance is altered by the application in which it is used. Thus, the R-value tables into consideration the thermal bridging inherent in stud framing. Since metal studs are greater conductors of heat, the R-value table requires continuous insulation to overcome the thermal bridging. For wood-framed walls, the wood is a much better insulator, so the R-value table gives two choices: provide cavity insulation with continuous insulation to break the thermal bridging, or provide cavity insulation with a much higher R-value to compensate for the thermal bridging.