We do not have a basement but a normal staircase to the insulated attic. Time and again. Easy to walk, daylight, storage room, huge play area during the first lockdown. Friends have set up a drum corner for their son under the insulated roof. Costs are negligible. 2 windows, staircase, a bit more insulation.
What I wouldn’t want to miss is a ground-level storage room for garden stuff. Quite a lot accumulates there.
Work out your space planning more precisely. Fill the rooms with contents. Bed in extra length, 4 m continuous wardrobe, distance between bed and wall at least 70 cm. Living room sofa with dimensions XYZ, sound system, 5 m bookshelf, etc.