Southern by choice
Herd Master
Our house had skirting when we bought but the crawlspace was just a playground for rodents and air (both hot and cold) but the first thing we did was have it bricked in with vents. It made a world of difference and the cost wasn't outrageous here. We considered a basement since it sits on a steep hill but excavation costs would have been serious because of the solid rock under the house.
When my son bought his house we put in the contract that the crawl space would be wrapped. It was and it is awesome!