cda,
exactly, I just had a basement where the first floor joists were BCI's, the basement contained the mechanical equipment
this could just as easily been a home with the mechanical room above BCI's in a room with another story above and still not have drywall ceiling
My comment was to open up the discussion to how now we are beginning to mandate sheet rock where we have not had this in the past.
For cost (homeowners or builders perspective) could you final a home/cabin that had the PROPER: habitable space, sleeping spaces, bathroom spaces, kitchen space, two floor over a foundation with a crawl space and no garage, properly protected wiring schemes, no foam insulation, etc. (oh - and in a jurisdiction the had amended out the sprinklers) and do this without ever installing drywall? Until this new code section came along I would have had to answer yes, except if you had any storage under the stairs then you would have to get some sheetrock.