Full, unfinished basement is the way to go. Only thing to keep in mind is there will be issues with it, either with water or with the walls moving or cracking. As long as you are able to budget for that, then go that route. It makes the floors upstairs warm, keeps noisy appliances away from you, and allows you to run cable to pipes or whatever you want with ease. I have a crawlspace which I can still run cable under, but doing a military crawl through gravel in the dark isn't much fun.