I am finishing my basement, and want to ensure that hot air and A/C duct work plus water pipes are accessible. I was thinking of hanging a ceiling, but the joists are 93 & 1/2 inches from the bare concrete. If I figure 1/2 inch for pad and carpet, that leaves 93 inches, and my understanding is that I need 90 inches minimum from floor to ceiling for the codes. Is the remaining 3 inches enough to hang a ceiling? Do particular brands require less space from the joists above than others? If no to both of these, do I have other reasonable options to maintain access to the pipes?