I'd like to offer a different opinion that either Brett or Travis. I lived in a house with a basement (one we built) for 25 years and now live in a house on a slab, and I'd take the basement option 100:0. Done right, a basement has a lot of benefits. Done wrong, I agree, it would be a nightmare on par with the slab home I have now, which if done right, would be better, but this one was done wrong.......really, really wrong.
So what did we do right? Looking at the OP's two sketches, "done right" would be the second sketch, with several improvements to it. In our area, normal rebar schedule would have rebar grids on 2' intervals. We doubled that and also enlarged and doubled the rebar in the footings. That was to prevent any settlement cracks. On the outside, rather than compacted soil, we backfilled with gravel to get enhanced drainage to the footings. We used the same drain tile schedule as shown, plus a third drain tile on top of the footings level with the basement floor. Many, if not most builders only install that one single drain tile at the base, level with the floor. That lets the water table under the floor and around the footings remain high. We got rid of the water the moment it entered. We also built the house slightly elevated, such that the slope around the home resembled a pyramid, so any surface water from rain or gutters drained away from it instantly. Lastly, as backup insurance, when the basement floor was poured, 2x4's were nailed to the foundation wall....narrow side up, but each of them nailed to the wall at a 1% or so slope, with the low side ending in a floor drain. When the floor was poured and 2x4's removed, that left a narrow 1 1/2" gutter around the inside perimeter of the basement, so in the unlikely event the walls ever did crack and leak, any water that entered would run down the walls, to the gutters, to the drains and be gone. That never happened once in 25 years, but was there if it had.
To achieve all of that required almost no additional cost over conventional basements and only a small amount of tweaks and effort over and above what is normally used. The difference was night and day. We lived in that house 25 years and never once had a leak or a drop of water enter. We had a dry basement that could be finished or used for storage. Benefits of that are double the floor space for only the additional cost of excavation, basement walls and the floor framing. Same footings, same concrete as would be used for a slab. That also allowed all duct work for HVAC to be run inside the conditioned envelope of the house, as well as all plumbing, with gave a person access to the floors to make changes or repairs as needed.
By comparison, my daughter's home also has a basement. It was built poorly, has cracked and leaked multiple times and is a nightmare for them. They used a foundation repair company and their solution was a total joke. The house next door to them was built the same way and suffers even worse. They also spent a wad on foundation repair and in my opinion, the place
should be torn down, as it is that bad.
So you can have a dry basement that will last, but you need to do it right when you build it.