I wear my hair down 90% of the time and am happier with it; it looks thicker and I can show off the waves when it's down. Up, it's almost impossible to get smooth and lying nicely, and I get terrible "scalp cleavage" so I look like I am balding. Add to that fuzzy layers, baby hairs, and bangs, and I have to re-do updos constantly, so they are a lot of work as well as being unflattering.
Personally the best way of dealing with my unruly, wavy, fine hair is to clip it up when out of the house, then take it down when indoors. This helps encourage the waves, and I also get to enjoy it. As a cyclist, I like keeping it out of the wind as much as possible.
My BF is also a finie, though thick and curly, and he wears the same hairdo (ponytail) most of the time. His biggest problems are dry ends (which no updo would stop) and matting at the crown (ditto).
So yes, if you are careful and treat your hair well, I think you can wear it down. I do notice that if I want my hair to look good, I have to wash it more often - every 2-3 days instead of every 4-5.
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