I finished two basements. First one I insulated. Second I didn’t.
At this point, I’m convinced it’s a waste to insulate.
…also, after finishing the first one, we had one of those 100 year floods. I had to remove all drywall 2’ up from floor and rip out all fiberglass insulation. Huge Pain in neck. Without it, I would’ve just dried everything out with fans and heaters.