This will likely be my last post on this thread unless something else comes up.
Ended up getting a few more 2x4's to finish up the floor under the living room. It might have been a mental thing, but it seemed like I could tell where I stopped putting the 2x4's in the middle, so I went ahead and finished off the room. Execpt for the insulation hanging down, I think it turned out alright.
Thanks again Bridgeman for the idea. Love it when a plan comes together.