PMI for me is $71 a month. Which meant I could save money and use it towards home improvement to make my house better for me (and also increase its value).

Putting down 20% doesn't make sense in my case, since home prices continuing to increase and me adding home improvements that increase the value of my home I will be able to refinance my loan in a little over 2 years to get rid of the PMI, and still have spent way less than the 20% down would have cost me.