Well
So, I don't want to offend anyone, but half of what is written here is incorrect.
Regarding the floor, well, there are more pros and cons, you can't list them all.
If you build something for eternity, then do it properly, otherwise, you will have to invest a lot of money later. So I suggest concrete C20/25.
1. Foundation C20/25 0-32 grain size, no waterproofing but exterior component.
2. Floor slab also C20/25 0-16 grain size waterproof with joint tape (horizontal) e.g. pentaplex or others.
3. Concrete wall shells and no precast parts, as too many joints arise which are weak points for water, also C20/25 0-16 grain size.
4. Ceiling can be precast slabs and then concreted with in-situ concrete.
I have to say, regarding concrete type and consistency, the structural engineer must decide. It also depends on the exposure class, mechanical or natural weather influences, soil type and condition,
and the cables can be laid beforehand, i.e. empty conduits in the wall or ceiling.
If the basement wall is not concreted in one go, a joint tape must be installed (vertical).
5. Insulate best: clean properly and create a fillet at the base, then apply a bitumen primer, let it dry, and then apply a thick coating of about 3 mm, let it dry for 2-3 days, and 80 mm Styrodur insulation is easily enough because you can never get the thermal transmittance coefficient down to zero, not even if you use 2-meter-thick insulation.
6. Protection for the insulation: best to use a dimpled sheet so that stones do not damage the insulation.
7. Windows are no problem, you can make a large light well, available in many sizes.
8. Drainage is important, best to wrap the floor slab with fleece, then put 20 cm of rolled gravel on it and lay the drainage and inspection boxes, then again 20 cm of rolled gravel and fleece on top so that dirt does not mix with the gravel and cannot penetrate the drainage.
9. Then backfill and compact very well, preferably every 30-50 cm with a jumping rammer or vibrating plate.
But I have to say it costs more, but it is a very good solution if you want.
Best regards, BumbleBee
Then I will list pros and cons compared to concrete and stone, no problem.