Hello PacketZen,
using the routed interface approach STP plays no role
if you use an SVI, STP plays a role
The use of SVIs can be an advantage if:
multiple physical links exist in the same broadcast domain / IP subnet
or if you need multiple logical interfaces you can emulate router Vlan based subinterfaces using a L2 trunk + SVIs one for each logical interface
In your case using a routed interface is probably the best choice
Hope to help
Giuseppe