With my ceiling being finished I would assume it would be very expensive and difficult to install recessed lighting.
Not really, the two types of recessed light bases you'll find in just about all home improvement stores are the 'new-construction' cans and the 'remodel' cans, the remodel cans are made to install in pre-existing ceilings and are not very difficult to install at all ... having the electrical source for the lights is a different matter, but not much of chore for a certified electrician.
