My dad stored wood in his basement for 7 or 8 years, then was chasing carpenter ants for decades after. My understanding is that termites are worse.
In addition to ants, we'd sometimes find mouse nests, even though his basement was reasonably tight.
You don't always see when there are bugs involved. I had a birch log on my woodpile I decided to split before I brought it inside. It looked perfect, no visible defects at all. When I split it open the entire inside volume had been hollowed out by ants, they just didn't touch the outside surface or the sawcut ends. You just can't tell by looking.
I have a woodshed that holds about 3 cords, maybe 100' from the hourse. I have a ramp I use to get up the 3 stairs to the back deck, then I just throw a half round at the base of the slider so it is easier to get the wheelbarrow over the single step up to inside and then I can get to only a few feet from the rack next to the fireplace. If the snow is too deep to run the wheelbarrow, we'll either use an old round sheetmetal sled as a drag, or just carry it by the armload.
The rack by the fireplace is one of those 4' round ones, and there are days when having that much wood in the house still gives me the willies.