I would do everything possible to implement a full basement.
You have already mentioned some advantages, such as the possibility to place the washing machine there, which could be quite useful in case it ever starts to leak.
A workshop, among other things, to store tools for small and larger repairs but of course also to set up a workbench there so that a vise can be placed there as well.
Space to store, for example, Christmas decorations.
In addition, we have a basement room of about 10 m² that serves as a storage room. In addition to shelves for food, both purchased (margarine, legumes, etc.) and homemade preserves, there is also space for the freezer chest, and potatoes can be stored there as well. In other words, if something is on sale that is needed anyway, we tend to buy in larger quantities. Another advantage is that the basement maintains a temperature of about 12 degrees year-round.
Which is certainly not necessarily bad for both the freezer chest and the food.
Since you want a kitchen garden, storage space for what you harvest will also be needed, unless it is so little that it can be stored in the kitchen cabinet.
To be able to manage the additional costs of the basement, you should perhaps already consider, if you haven’t done so yet, what you can do yourself. I always think of things like wallpapering and everything related to the garden.
I can do without something like smart home. Sure, I don’t have it, so I don’t miss it either.
For TV reception, I would always rely on satellite. There are only one-time costs and not monthly fees like with cable. By the way, such a dish can also be installed by yourself.