Hi Diane;
Definitely use the perlite fire clay, under the core.
Under the mass. If your seeing moisture, and we know its not insulated underneath. Then you might consider putting 2" of rigid foam (eps) down first.
Then just an inch of straw cob to bed your pipes on.
No need for rock under your pipes. That heat is going to rise.
After your pipes are protected by cob , then use as much rock as you can for the mass. It holds heat much better than cob and every one means that much less cob you have to make.
EDIT) I
should add you can use concrete board and bricks to raise your mass off the floor. This is more commonly done with a wooden floor but no reason it couldn't be done over a slab.