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Basement "bad idea"? Finishing top half, leaving bottom half exposed

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My ranch home in Ohio was built in 2020. It has a 2300 sq ft unfinished basement with 1 sump.

I want to finish the basement, so I had a few companies review the moisture levels since I noticed the humidity stays high with a dehumidifier running 24/7. Two different companies recommended improved drain tiles and another sump pump. This would cost over $20k.

My basement walls currently have fiberglass that runs about 4 feet from the ceiling, which would cover the frost line of my walls compared to the earth outside. Under that, the wall is bare.

I have decided to build frame the TOP half of my basement wall, leaving the bottom half exposed. I am replacing the fiberglass with rigid foam and using pressure treated wood ramset to the poured concrete wall.

Finishing just the top half will keep the bottom exposed and quickly present any problems that might arise in the future, instead of hiding potentially damaging hydrostatic pressure behind drywall.

With all that said, has anyone every seen anything like this? Any points of failure I should be concerned about.

EDIT - Added More Details

  • Currently we have no moisture in the basement. We are being cautious by exposing the bottom part of the interior walls.

  • In summer, humidity will stand around 55 with a single dehumidifier running 24x7.

  • Externally, the basement walls have damp proofing spray and some type of insulation wrapping the house.

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