What is the proper way to build a Slab on Grade Foundation?
...stem wall 'safer' than an insuation skirt.
Whether you insulate with rigid foam insulation or with dirt, it needs to be planned for your climate. A slab may heave if it doesn't have sufficient skirt insulation, and a stem wall may fail if it isn't deep enough (as in it doesn't have enough dirt insulation).
There is at...