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Yes, cleaning a crawl space is worth the cost. Although it's an out-of-sight area, neglecting it can lead to significant problems like pest infestations (including termites and carpenter ants), mold, and fungal growth, which can cause structural damage. Regular cleaning helps prevent these issues. While hiring a contractor has ongoing costs, the price for cleaning—typically between $0.50 and $4 per square foot—is much lower than the cost to remediate a pest or mold problem. Additionally, a clean crawl space can lead to improved indoor air quality and more comfortable temperatures in your home.

There are several small, inexpensive upgrades you can make to upgrade your basement. Although you still need to adhere to building codes and obtain permits when necessary, you can complete small but mighty tasks like painting the masonry walls and installing entertainment devices to make the space more usable. 

Below-ground shelters are the best in terms of durability, but there is a risk of flooding and obstruction. Modern technology and rigorous construction requirements make above-ground shelters a better option for accessibility, safety, and, usually, your budget. They may not have the same aesthetic appeal, but many of their features make above-ground shelters a better option. 

Proper basement ventilation is very effective at reducing humidity. Without enough ventilation, your basement is prone to mold and moisture damage. Your basement should have as much natural ventilation via windows and doors as possible, and if your budget allows, you should also consider installing an ERV system to keep basement humidity levels at bay.