Hard(copper) lines could be run and stubbed for later connection. Not sure that PEX is OK for potable water supply, check local code for all of your questions. Codes vary all across the country.
insulate the whole pipe for extra protection. I'm doneWell, thanks to everyone for the replies. Here is what the code guys in Loudon county TN said....
Run the flex copper (L) through and under the concrete (wrapped in armaflex or similar where it will touch the concrete). Make sure it is buried in sand or similar so that it does not contact the concrete under the slab (or wrap the entire run in insulation/armaflex). It is ok to run the electrical in the same trench. Just make sure they do not contact. They prefer the electrical in conduit.
So you guys were spot on.