Are you sure you are looking at the Quicksilver LivinLite VRV. They don't offer an 8.5x24 unless it's custom. You can order a 8.5 x 26 with either a front bedroom or not.
As for the insulation, I don't have it but it is available so that in theory you can camp in freezing temps. suppose to protect the water lines. Since I don't plan on camping when it's freezing I didn't get it because more easier to work on the plumbing if there is an issue.
As for the flooring, never been hot to me but sure is cold. In the summer this is a plus, now that its colder not so much. We just use area rugs once we unload all the toys and that works well for us.
If you plan on using power tools and the A/C I would opt for the 50 amp service.
I travel with a 7500 watt Geny. Overkill yes but that is what I have. I plan on getting a Yamaha/Honda inverter next year as I plan on doing a lot of dry camping. Speaking of which, the VRV only comes with a 10 gallon Black tank which gives my family of 4 about 3 days if we conserve the water usage. I find this the biggest short coming of the unit. Other than that we love it.
Steve