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I use 1600 for main living, and 1200 in a nice "unfinished" poured wall walk out basement, with (insulated) concrete floor with no posts, as area for all storage, hobbies, crafts - kids roller skated, skateboarded, build forts, ping pong, foosball, TV, living room furniture, all winter long. I could even drive a car in. And it walks directly outside to an all sports freshwater lake. No additional taxes or insurance on 1200 b/c unfinished. You would not believe how inexpensive built new in the 2000s. People do make mistakes, in my opinion. Just watch how they buy motorhomes; same issue.