Clarification:
Floors should always be fastened down to the frame. Most of us attach the entire deck as a unit instead of attaching individual pieces. In other words, we attach the subfloor to the floor frame and flooring
then we attach it all to the frame as one integrated piece, the deck.
If you look in "Teardrops & Tiny Travel Trailers Forum Index -> Teardrop Construction Tips & Techniques", there is a topic on attaching floor to frame that will give you information on both methods: bolting it on or using self drilling screws to attach it.
Floor Insulation:
As far as floor insulation goes, that appears to be a personal decision that may be based on your type of floor, your type of trailer, how cold or warm it gets where you camp, and what amenities you are installing.
Over-all Advice:
Some people will tell you to "Git 'r Done" and sometimes we need that; but, look around at some of the build threads here. You might find some ideas (and pictures!) and things you hadn't thought of. Print or make a note of the ones that you like best so you can refer back to them.
If you have a good plan at the start, you'll be less likely to say the ol' "shoulda, coulda, woulda" bit. Many times, the best way to find out how to do things is by looking at what others have done and these people have done a lot!
As an example, check out Larry & Diane Sorensen's build thread for their Outback Teardrop. I think it's here:
http://www.outbackteardrop.com
Successful Wishes to you,
Sharon