had a basement in a previous house. a catchall that was a pain to clear out when i moved.
plumbing encased in concrete lasts longer than pvc above ground under your house. had that too.
ac was already here when i got here and it is an aftermarket setup consisting of a simple split system. costs about 8k new. approx 5 yrs old when i got it.
4’s why we bulid on elevated ground where possible. and once there, dont have to worry about falling through the floor due to wet rot or insect damage.
It also has serious downsides in terms of: