We have very few basements in California, but I have friends and family in the Midwest where basements are required for tornado protection. What I have heard is that the unfinished ceiling in the basement is intentional to enjoy a reduced property tax. As far as dust is concerned, the best solution is a high efficient air cleaner. One of my brothers-in-law runs a dehumidifier constantly in his basement during the summer... maybe someone makes a dehumidifier with a high efficient air cleaner attached?
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