I am in the process of building a cabin on our property. Footings and walls are done. 8”x16” footings, 48” x 6” ICF walls. I am planning to finish dry in next summer. My plan was to backfill now before doing the floor system without compacting, (I know this is advised against) and leave the foundation until next spring. How concerned should I be about leaving the crawl space side of the foundation exposed all winter? Should I insulate with hay to try to help with frost heaving? I could finish the floor system and tarp for the winter but I worry about moisture issues on the joists. (Will also cut into archery season) It has a full exterior drain tile in place and is located in southwest Montana. Any tips?