new 6x12 build

I have a 6x12 that I have insulated walls and ceiling. I'm planning on putting 14x21 vertical windows in between studs.
Do I need to take walls and insulation out to cut window holes? Camped last week a few days with lows into the 20's. Bottom cots got cold but next night bought some cheap walmart camping pads which helped.
Do I need to take walls and insulation out to cut window holes? Camped last week a few days with lows into the 20's. Bottom cots got cold but next night bought some cheap walmart camping pads which helped.