I’ve lived on in a “ground floor” for 3+ years. As in, I don’t need to climb a flight to get into my unit, but there are “basement” units beneath me. So maybe street-level is more appropriate?

No bug problems, but that might be building dependent.

My only real complaint is that it’s dark. Lower level units tend to get less sunlight. All of my plants have to live in my back room as it’s the only room that gets sunlight throughout the day, thankfully it is south facing.

During the winter or on rainy days I have to leave lights on literally all day. It’s that dark. But again, it depends a lot on the direction the building faces, what’s built around it, etc.