Hi Ken;
The numbers you found are minimum
cob thickness for a bench.
I see that you are planning to use pea gravel as your fill. Air spaces between the gavel will allow the heat to move thru quickly.
I would suggest a minimum of 1' up to 2' over your pipes, then pavers to sit on. . If its still to hot then add extra side walls and more pea gravel. If it is not warm
enough then remove walls till comfy.
My 8" cob bench has 16-20" of rock and cob over the pipes , with insulating cob underneath. It works awesome!
Just curious, why pea gravel ? It is a poor substitute for a solid rock and cob mass, generally it is used on a short term temporary mass.
You are building a bench with solid retaining walls rather than a sculpted cob bench. This makes things easy.
If your reason, is a lack of suitable clay. Be aware that a bench is composed mainly large rock /iron with only enough clay to avoid air gaps. In leu of clay, plain old dirt can be used to fill between the rocks.
You might be much happier with a full bench that holds heat longer rather than a pea gravel bench that cools off quicker.