I agree with everything you have noted Gene. The frost depth here this winter was 12' and frost walls, as you have described, are the norm for all our walk-out homes.
I am just starting out with Chief. I have been using Vectorworks for a number of years but want better 3d and interior presentations. I am currently struggling with how to turn a presentation into const. Docs. As soon as the spring rush is over I am hopefully going to make some headway.
I am just outside Saskatoon so that should be considered Western Can. (Used to be in B.C. Shuswap area).