Well at a minimum I would install tubing in all poured concrete. The pex is cheap and you don't have to hook it up right away. Any seccond floor stuff can have the tubing attached later.
As for the geothermal. It's easier for you there than here(ground gets too hot) and if you can dig your own trenches the cost of geo is pretty low compared to a well system. I don't like the idea of using a dri king water well for geothermal as well. It should have its own dedicated wells however that prices geothermal out as at least here Wells are around $25 a foot to drill. Then just the 500' or deeper water well now is a fortune. 200' no longer cuts it most places here now.
Imo the best and most economical geo system is using a pond or lake. Which I don't know why people here who love on the lake don't drop their coils in the lake. Way cheaper to run than conventional.
The 3 phase variable speed heat pump is not a bad idea assuming you can get 3 phase to your house. I wish they would make 3 phase more available to residential. Cheaper motors more reliable and I can buy 3 phase machines without needing a vfd.
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