I'll take another look at the "frost protected footing" that you posted. Maybe I've missed something.
Did you get that design from someone with experience you trust?
That's funny, because I thought my picture came from this
Revised Builder’s Guide to Frost Protected Shallow Foundations.. But I cant seem to find it in there.. lol. I saved it because it was the first picture of a frost protected shallow foundation where the footing and slab were two separate pours.. Which I thought would be a big advantage in my build.
The picture you saved might have been a different edition. That link you posted is to a "Revised Guide" - but I don't think it matters. The designs in that link look similar enogh to the one you posted a few days ago.
At least they are similar enough that I can see what was bothering me. In a nutshell, the author of those designs is making assumptions about heat flow that I don't agree with. I'm not saying he is wrong; I just wouldn't build that way. I also believe that most builders and engineers wouldn't either - not given today's materials and energy costs.
One of the assumptions in those designs is that that the building is always heated in the winter. With enough heat in the building, the foundation designer is showing he can build above frost line. The requirement is that the building always has enough spare heat to keep the foundation and surrounding supporting soil above freezing. Then by using enough insulation within a normally frozen depth, the designer is showing that the extra heat can be trapped.
So the design will work as long as some special conditions are met. They are implicit in his heat flow math, and are also mentioned in the text.
First is the one of having enough building heat to be able to keep the building plus the foundation above freezing, also the insulation has to be some sort of super insulation that never changes R value, and finally there cannot be any change in moisture around or underneath the foundation.
Spend the money and energy to meet those conditions, and there are no problems. But by not meeting all of those conditions, there will come a cold snap that may cause the foundation to see frost-jacking and then heaving.. That doesn't mean the building falls down, but it is exactly what was bothering me about that type of foundation design.
It's just a difference in personal preference. I see buildings as being a lot of work to put up. I'm real big on stability and structures that resist forces. Call me old fashioned because it's true.
So I prefer to over-design some things - like foundations - to automatically stay stable for the life of a structure. I just don't care for designs that require on-going special attention to work properly - in spite of that being the direction that the world is going now.
YMMV, and that's fine.
Good luck with it however you decide to do it.
rScotty