I'm preparing to finish my basement and can't decide whether to insulate the ceiling. Even in the winter with the heating vents closed, the basement doesn't get much colder than 58 degrees. So I'm not sure how much I'll be gaining by putting up insulation, other than some noise reduction. I've also heard that insulating a basement ceiling might trap moisture in the basement rather than let it pass through the floor into the upper level of the house where it can escape more easily in the summer.
There appear to be some conflicting opinions on whether to insulate the ceiling of a finished basement, and I would appreciate any thoughts on this.