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What kind of subfloor do most people use these days?

I've been reading tons on how to do a subfloor for my basement and I don't seem to be getting any closer to an answer. So far it looks like there are 4 ways to do this: (I'm stealing a good part of ...
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Insulation of Basement Block Wall and Framing

In finishing part of my basement, we've gone ahead and installed 3/4" rigid insulation (R-3.8 IIRC), and then 2x4 framing against the rigid insulation. Then, the small gaps with between the 2x4 ...