Hi Matt, sounds like a fun
project. I see you are not far away in Canton, actually drove through there yesterday, fall colors are kicking! There are many interesting threads here that touch on what youre asking about. Search for PAHS and the Wofatis are attempting to use billboard vinyl in the same manner youre proposing.
Since I know your climate well, I have to question your assumptions on achieving dry soil and curious what kind of R values youre expecting to get from it. Its a lot easier for some climates west of the Mississip to start off with dry soil but here? I dont think its an easy thing to do. So even if you did manage to dry out a massive amount of earth and keep it that way till you place it around your foundation, I dont think you can ignore whats going on below and beside the dirt. The dry dirt will take on the moisture levels of whats next to and below it if there are not barriers in place to prevent the transfer. In other words, youre going to need a lot more than an umbrella above.
Yes you want to keep youre block wall dry. You also want to keep it warm hence the recommendations for insulation. Without insulation, your wall will be closer to the ground temps. Even if that ground is bone dry, I believe it will be much closer to the average ground temp than our preferred comfort range of 65-80F. This is a good thing in the summer but not the winter. Even in the summer, cold wall surfaces will not play nicely with our mostly humid air.
Filling your block with any insulation will probably be a waste of resources and if you fill it with anything that could rot, youre asking for serious trouble. I think vermiculite is the best choice but again, its probably a waste because CMU block has too much thermal bridging to make it worthwhile. Probably the best thing to fill the block with if youre backfilling that heavily is rebar and
concrete. You might want to involve an engineer depending on the details. Block walls can work well but are notorious for failure.
For the best
energy performance, you want insulation to the exterior of the block. Foam is tough to beat for this but mineral wool and foamglass are other options. Insulation to the exterior keeps the thermal mass coupled to the interior air and keeps the walls above the dewpoint.
Most US climates have termites which leads many building experts to recommend keeping basement insulation to the interior. You lose the thermal mass but its easier to install and protect from termites and the elements. Thermal mass is really not that important for most energy efficient homes and is not nearly as important as air-sealing, insulation and fenestration. Those are the big 3 in terms of good energy performance.
Even if you insulate the block walls (you really
should IMO) you still need to follow other best practices with such a buried wall. I recommend a more traditional sprayed damproofing and permeable drainage board or backlfill. The vinyl could work but you need to be meticulous with the connection and edge details particularly the bottom, it should drain into a well designed exterior foundation drain sloped to daylight, slotted PVC wrapped in gravel and silt fabric being one of the best common approaches.
I dont mean to dismiss using vinyl or other vapor barriers as underground umbrellas as I do it often, more as underground shed roofs but would create more of an umbrella with a bermed roof. They are another tool in a belt and suspenders approach but shouldnt be relied upon as the only means of protection.
Check out this
thread if you havent already.
https://permies.com/t/39802/toxin-ectomy/mold-remediation-house It would
be nice of you to avoid the problems of leaking basements and the risks of giving future inhabitants such headaches down the road. Underground water and moisture are powerful, persistent forces that will probably need more than some hastily placed foam sheathing and billboard vinyl. Based on your questions and research it looks like you understand the value of good details.