Should I buy a garage or work in garage under house

As you notice most of the people that say don;t work in basement are from warm climates. It costs me about $150 a month just to keep my shop 45. When you have highs in the 20's and 20-30 mi hr winds it is not very economical to keep a shop heated.
A lot of people can't afford the $10-$50k it takes to build one. $1000 would go a long way to make your basement usable Heating a basement in your house would cost almost nothing. Heat it seperate from upstairs so you do not send fumes upstairs.
The only time in 30 years of wrenching we have had fires is when we were working on the fuel system. Or torching out rubber bushings.
Drain all the fuel out and store outside and do not put fuel back in until car is outside. Would not hurt to remove gas tank and store outside.
If you do not have a fume extractor, do your welding outside. Do your tear down outside and then clean as best you can then put it in your basement. No reason not to store and assemble a motor trans or dif inside. Can do a lot of work on a cement slab just outside, push out push in. Keep things on wheels .
And I do have over $60k in my shop and if I had a walk out basement I would do some work inside.