An insulation contractor toured my 100-year old house near Toronto and told me that they wouldn't recommend installing any insulation in the basement because it could cause freeze-thaw damage to the foundation. Their stance was that these old houses like to "breathe" so it's better to avoid any changes because it's lasted this long as-is.
I want to follow the "Why are basements moldy" recommendation of rigid insulation board directly against the concrete and then a framed stud wall with mineral wool batts and drywall with latex paint. I'd like to do something simple (EPS + plywood) on the concrete floor too. The rest of the house is double brick with minimal to no insulation in the walls.
Is that a safe option or is there something to their "don't fix it if it ain't broke" mindset?