The higher the zone #, the colder the winter climate. Would use an extruded insulation product like DOW or Formular by O.C. (not expanded type) Also would use High Density, min 60 psi. Otherwise you will break the sheets when pouring concrete even if you use a pump. Important that the subgrade, stone/gravel is uniform and level. Built a Large Head House for the USDA, years ago, they required the insulation over crushed limestone base, the insulation, then 12 inches of course concrete sand. Somewhat of a heat sink but they did NOT require radiant piping imbedded in the sand. Guess they thought heat would not permeate the slab. Did result in a true floating slab and it never did display a crack. Vapor barrier under slab, not insulation. Pouring concrete over sand directly, would allow moisture from concrete to be absorbed by sand, The bottom of the slab would cure faster than the top, the slab would likely suffer a strength failure, by interrupting the chemical reaction of the Portland cement component. (separation)
Note, Head house is the staging/equipment monitoring, and operations area, Structure for large attached green houses. All masonry construction. The green houses they later attached were 150 ft long in three directions. Tax $ at work.
EDIT: Pea gravel is unstable, will swim all over while working on top, does not compact. Never seen closed cell spray below grade? wonder the density, would it crack and separate from weight of concrete buggy, or old school wheel borrow? Long term performance of closed cell spray below grade? Generally agree VB should be under insulation, the proper insulation.