We faced exactly the same question about half a year ago. But before you can answer it, you first need to be clear about which rooms you really need in your future home. I personally consider it a waste to use a basement later solely as a utility cellar. Nowadays, you no longer need a "potato cellar." Garden tools, etc., can also be stored well in a garden shed or a large garage, the washing machine in the utility room, and other items that you might need once a year in the attic. However, if the basement is also intended to create additional (needed) living space, then the construction is definitely sensible. The property also plays a big role. For a hillside location, a basement is recommended purely for planning reasons. On a flat lot (like we have), the costs for excavation work are enormously high, so you really should consider an alternative to the basement (see above). In the end, the money decides anyway. If you want a hobby room/music room, you have to be able to afford it. If it’s not worth the money to you or you can only afford it with difficulty, you just have to do without this additional "luxury," even if it’s hard...
--> By the way, I also know from personal experience that you quickly lose interest in so-called hobby rooms, party basements, etc., which you initially considered absolutely necessary, and you usually stop using them regularly after a few years anyway...