Stem Wall Design In Cold Climate – GWC Mag

Hoping to get some feedback.  The background is that the project will be in Northern Wisconsin where it can get very cold in winter and typically lots of snow.  Plan is to either a monolithic slab or stem walls for a cabin construction project – the later which I prefer.  The soil conditions are all sand.  I have attached two diagrams – one for floating slab (more common) and the other tying the slab to the stem walls (less common).  The plan is for in-floor heat. Objectives are to get some elevation (to be able to place a deck vs walking out to a concrete slab), drainage / snow protection, structural integrity, and insulation quality for frost protection / in-floor heat. 

Questions are:

1) Floating vs Non-Floating Design Opinions Per Diagrams
2) The diagrams in general – any changes needed based on objectives

Appreciate the input.

Thanks.