A well insulated basement won't cost much to cool in the summer. It still benefits from the ground because the delta T on the floor will be very small during summer. The difference is that you will control the temperature with your HVAC system, instead of being at the whims of the earth (as much). Condensation issues will also be eliminated, as noted previously. I suspect that even if you do pay more to cool it in the summer, it will be far outweighed by the winter savings on heating. But that is just my hunch.
You can't really add the insulation later (without great cost and disruption), so I'd think twice before missing out on this opportunity. Then again, it's been a few months since the original post...
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