Matthew, I am basically saying get a soil test at 2-3 locations around the perimeter. Look at your
local codes or 2012 International Residential Code(IRC) "Foundations" to determine if your soil has the bearing etc, strength at the depth of the foundation you are using. In most cases that soil depth is 1-4' in the US, not top soil or just below it. That negates the use of FPSF since the insulation is non-structural for the most part, or insulation does not have the compression strength of rock and 3000+ PSI
concrete lets put it that way. If one does not understand code hire an Architect or PE.
The whole idea behind FPSF is to reduce concrete cost, in
alot of cases it does not especially in cold climates with weak soils because of the structural requirements. Concrete FPSF insulation is per ASCE 32, an Engineering spec that has taken decades of R&D to develop but, not for placing rock on the ground and erecting a building on it. I'm not sure where to find such a spec for these foundations, unless you want to be part of the testing I would find one and not take word of mouth or photos off the internet not fully understand as some prescriptive safe design practice path that is not well documented and adopted by International Code Council or some respected agency such as American
Wood Council, Forest and Paper, Western Wood Association, to name a few more. If you find one please post it. In large Timber Type 4 designs, alot of dead/live/bending load is being forced into little bearing area on already heavy rock-to-soil, compared to a 1' x 2' x 4' continuous spread footing FPSF is designed for...Rocks can shift by their own weight moreso building loads. What we are talking about is pretty simple math really, here take this calculator keep the force constant and drop the bearing area see what happens to the pressure exerted on the rock the soil has to resist.
http://www.calculatoredge.com/new/pres.htm
A sieve test of the soil would also indicate if the soil even needs any insulation, it may not. If it did, and you want to run the risk, I'd use a HD EPS or cellular glass like FoamGlass under the rock that is structurally rated for your loads..... That has just started field testing in the USA and is experimental. If your loads are less than 750 PSI (unlikely for single family dwellings) Roxul makes an IS rigid board you could surround the rock with. Shallow foundations like this also have issues with thermal bridging, so eliminating the insulation below the rock is not a option for a well insulated house where you live until you get to depths where the ground temperature is high. At 4' it is questionable as to whether there is a thermal bridge through concrete over that 4' distance, at less than 1' in your climate there is no doubt you will thermal bridge into your post and into or out of your house.
Below is an example of a foundation I am working on insulated to R-12 which is what you need or more. I am not planning on insulating below the footing's until I see a soil test. I already know that FPSF is a waste of my time around here since the structural requirements will exceed the savings I could gain using ACE 32 so, I am just insulation as shown and exceeding IECC code. I don't blame you for not wanting to dig or use one of these foundations. Slab/footing insulation alone for this 2800 SF home $15,000. Don't get me started on the cost of junk concrete we use in this country, to change cost even more with the lack of specs/codes, knowledge $ trades.
https://energycode.pnl.gov/EnergyCodeReqs/?state=New%20Hampshire
Hope that helps, you're welcome.