@CelSims , I only down load unfurnished homes because many creators don't want their creations re-uploaded and I want to be able to re-upload something if I need to (transfer from one computer to another - I can't use our cloud to do it). I also don't like builds that use too much MOO as many furnished ones do and for every one that is play tested, many aren't and have issues. Downloading unfurnished homes is safer as far as I am concerned. I recommended looking for unfurnished homes to OP because it sounded like she wanted to be able to make changes for style and to upgrade as her sim(s) made more money.
