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Looks like John answered your beam info there- http://countryplans.com/smf/index.php?topic=6189.msg80916#msg80916
If the beams are 2 - 3" from grade that's too close unless they are PT.
If I understand the 2 questions, putting insulation in the floor before being dried in is not generally a good idea. Plastic over subflooring is not dependable enough to keep the water from leaking through. Trust me on that, been there, done that. I did not have the insulation in the floor, all I was worried about was getting the floor OSB wet. If you are worried about the subflooring getting wet and damaged then I'd suggest you track down some Advantech OSB. It's just about as waterproof as they come. But you could still end up with wet insulation if you put it in first.