Personally, I’d go for the person. Roach phobia entirely not factoring in here.

My attic is over a detached garage. If someone can access that space somehow, and wants to live there, whatever. It’s roomy enough to be fairly comfortable, tho you can’t stand up straight, and it’s insulated with electric outlets, so I’m not suuuuper likely to find a frozen person in spring. Not great, but as long as they don’t leave a mess or whatever, meh, doesn’t harm me any beyond electrical use. I probably wouldn’t even find out about it for a long time, since I never go up there; the ladder is duct-taped where it cracked at some point, and I can’t be bothered to replace it.

Roaches, however, would not stay contained to the garage. That’s a deal-breaker.