PJF,
After many discussions with the home owner, engineer, and architect, we decided on insul tarp. The structual slab on these floors is 2 1/2 inch thick with a 2 inch topping slab.
Using the insulated floor system allowed us to use a small thermal break (insul tarp) to inhibit the thermal bridging from the exterior slab to the interior slab. Granted it is only 2 1/2 inches that is gradiating under 13 1/2 inches of concrete and foam. We also seriously considered not even worrying about it since we have radiant floors and the heat loss would be negligable.
ICF Contractor