If the possibility that you might ever seriously want to try it exists, put the pex in when you pour your slabs. If you believe you will never regret not doing it, leave it out. Your clear conscience is much more important than a thousand bucks or three.
As for the garage, if you seal it and insulation is installed, it will become much more comfortable, even without any significant heating or cooling system installed. This is an important factor to consider due to the nature of things you csn keep inside it. Besides vehicles lasting longer, paint, furniture, and other not so durable items can live a long life without spoilage inside a decent envelope.
This is a major difference between the garages that get used regularly after construction and those that don't. If you know it's not going to be sweltering in there, on say a hot afternoon in August, you might just decide to use it.
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