So while you're building the wall, you're supposed to remove the concrete foundation and insulate the floor? Isn't that dangerous? What happens if you break up the concrete foundation? Does it affect the integrity of the building? Isn't it a major project that requires a permit? This is basically lowering your basement. People get in trouble for lowering their basement without a permit. I was in a house once where the owners had done that, but an inspector came and had ordered them to destroy all their work, because they did it without a permit. Apparently it's unsafe to mess around with the concrete foundation. It's structural.
I'm in Climate Zone 6 according to Naima Canada.