Should I buy a garage or work in garage under house

if I was better at postin pics I would sho ya my "pole barn shed' i'm adding onto now. LOL if have no basement, my house is "rustic". was a barn! LOL
I have a friend in Kansas City that has been a Mopar guy forever, ( he built hemi and max wedges since the 60's.) anywayyyyy, 10 years a go, he was working on his 70 440-6 cuda clone in garage (not basement), had a carb fire and burned down his $300,000 home!!!!! it can happen to ANYONE, in basement or in backyard!!!
so I like the idea of being able to work in a heated basement in cold climates, just keep fire extinguisher handy!!??? one thing for sure, even Jay Leno never has enough room!!!???? LOL