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Well, you have to do what code dictates. This is "Big Brother" looking down on you.
If you do something against code, you will never be able to sell at a later date.
I love pier and beams. You can use the space to purge the home of stuff, you can work on your pipes and flooring, and I think it is more stable.
I can only think of one reason against pier and beam, being in tornado country, they are like a mobile home, they can be carried off or moved off the beams easily.
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