The 1st reflections could be from the walls on the sides of the speakers or the ceiling. You can actually find the reflection point from the ETC curve. If there is a reflection at 1.1 ms, then the reflection path (spkr/wall/ear) is 1 foot longer than the direct path (spkr/ear). You can use a piece of string taped to the front of the speaker and then stretch it to the measurement mic. Tnat is the direct path, so mark it with a piece of tape. Then pull another foot of slack and attach that to the mic (so the string is 1 foot longer than the direct path. Now see where the string can touch a reflective surface between the speaker and mic. In the example of 1 foot, it would likely be a desk surface, but if it was 3 or four feet, it could be a side wall or low ceiling, etc.
Your first reflections will definitely be tamed by a cloud above you (along with some LF problems) and you should have absorbers on the side walls between your head and the monitors (4" or 6" would be great, but even 2" will kill 1st reflections).
The reflections you care about are the ones that happen during the 1st 20ms from the impulse and only worry about the reflections that aren't at least 20dB quieter than the impulse...
BTW, can you drop the 6" of ceiling insulation, so that the insulation is flush with the lowest part of the joists, leaving 6 inches of airspace behind the insulation? That will give you a huge low end absorption benefit.
Keep going - you are getting so close!