It actually adds more flexibility to the finish layer and layout design.
If you want to make things look like a traditional stick-built house with load-bearing walls, you can do that. It's not the only way, but it's an option.
If the next owner wants something different, that's also available -- and not very expensive to change. Non-load-bearing walls and drywall and cheap and quick to demo/rebuild. Flooring material is a bit more effort and cost, esp if not carpet or polished concrete.
Literal drop ceilings with those fiberglass panels are pretty ugly, but there are many other options. I like wood, but it's expensive. You can always do drywall though, it's familiar, and relatively cheap to modify.
You can still use dry wall later and if you use decent noise dampening and insulation between two layers of drywall, it should work.
It will be expensive for sure though. I think huge building with electrical wiring, plumbing (including waste?) and networking at every pillar, and independent ductwork/sensors for climate control from the to be drop ceiling so I can essentially remodel however I want for the next owner sounds like a dream but a very expensive dream.
Doesn't seem like it would be pleasant