Regarding the basement decision:
I think the first consideration is if your building site is really suitable for a basement. By that I mean will it be dry, will you be able to use gravity foundation drains or need to rely on a sump pump. Basements are nice, usable spaces for living, storage and utilities/mechanical systems if they are dry. If not dry, they can be just a PITA. At retirement age, I wouldn't put a laundry room in a basement though.
Having grown up in NW Ohio, I think humidity control in the basement will be a necessity. If you include the basement in your HVAC plans, that would be a big improvement over a stand-alone dehumidifier people often buy when they see humidity problems developing. They are expensive and expensive to run in terms of electric usage. To avoid carrying buckets of condensate upstairs, they also need a floor drain, or you need to lift/pump the drain water to the waste line height.
I agree, the ability to access much of your electric, plumbing, and duct work if present, from the basement is a huge plus. That's one thing I really like about basements.
Basements can make good tornado shelters. Depending on your normal activities the utility of a basement can be increased by installing a bulkhead entrance. Google "Bilco basement door". Storage, service and repair access other than through your house and down the basement stairs is a nice plus.
If you are into gardening, a portion of the basement could be built and conditioned to be a root cellar and preserved/canned food storage. It's also good way to store bulk local fruits and vegetables bought in season at (somewhat) reasonable prices. To do it well, you would need at least two root cellar rooms with different temperature and humidity levels. Stored apples give off a gas, ethylene, that over-ripens and rots other things.
I you decide to have a basement or partial basement, I think it would make more sense to align the basement perimeter with the exterior walls. You could do a full basement, or split the area in half, or an L-shape. If you build a basement 10' inside the exterior perimeter, that 10' of space would be either a crawl space or a slab. If it is a crawl space, to look good and for HVAC considerations it would have to be enclosed by the basement wall or a framed knee wall built on top of the basement wall. If it's a slab then you need to place it level with the top of floor above the basement to have one-level floors in the house. Doable but it will add time and labor expense.
I don't know why you couldn't build "pole style" on top of a basement wall; there is no reason to separate those two things as far as I know. The basement wall and its footer is a better foundation than a pole in the ground, or a pole on a sonotube or Perma Column:
https://www.permacolumn.com/
That's my basement brain dump.

Good luck with your decision.