Not sure about wrapped products, Z-supply makes probably the best wrapped double walled product.
Badger also makes a wrapped product that is probably cheaper, I believe Nature’s Comfort also manufactures their own wrapped product.
If your going cheap as possible then above ground might be the best place for them, less chance of water infiltration.
Not sure about the foam in trench either, seems to be all the rage over at Hearth.com. But again I’ve posted over there before making this my home and I’ll I got for my trouble was mostly snide remarks.
I installed Logstor, wasn’t cheap, but neither was heating the ground. I had one corner that had to be left exposed for the first winter as the ground had to resettle before I could repair a drain tile for the foundation and gutters. I’ve seen ice on the Logstor, seen snow on it as well, the only time it melted if the temps got above the freezing or if the sun reached it.
I was brought home to this house from the hospital after I was born, that was many many moons ago, in a winter that it never freezes and just snows then rains, this ground turns to soup and is water logged until the middle of summer, not sure I’d want to rely on sprayed on foam wrapped in visqueen to keep the water out.