Think about installing radiant heat tubing in your garage floor as well as the basement, you can hook it up later when the funds allow. You would spent under a grand for all the materials to install it. There is nothing better that working on your car with a heated floor or walking on your finished basement floor in your bare feet. All it would consist of is laying flexible plastic tubing over the mesh with 8-10 inch spread. Also 2 furnaces and 2 ac's will give you maximum comfort on your floors. Have your plumber install a water line above your cooktop. You can fill all your pots for cooking, its pretty cool, just my 2 cents