That's the downside to any of the wrap style insulated pipes. IF (and it's usually a when, not an if) the outer pipe is breached, water will get in and completely ruin the insulating values of the wrapped insulation since it's not a closed cell foam. If you snake the whole thing through 6" sewer PVC or something, then the chances of a breach are slim to none and the insulation will work because it's trapping air.
Logstor, Thermopex, Rehau, etc. use a closed cell foam completely filling the pipe. The air bubbles trapped in that foam are stuck and water cannot penetrate into the foam and fill those air bubbles, thus they insulate. If the outer covering is breached, water still cannot penetrate the closed cell foam. Those brands also typically use a heavier duty covering than black plastic drain tile so tearing or puncturing the outer sheath is much harder to do.
The Badger stuff appears to use a closed cell foil foam. That won't let water into the foam, but since it's wrapped and not sealed around the PEX lines, water can still work it's way in and around the pipe.
The 5 wrap stuff or Logstor should all be able to run right across the top of the ground and have similar heat losses, typically not even enough to melt snow falling on it. Once you bury the pipes though, ground shifting, frost heave, etc. will typically find a pebble in the ground to rub up against the pipe and put a hole in it over time. If you live in a rocky area, you'll understand when I say that over time, rocks seem as though they grow up out of the ground. Rocks that previously didn't appear start to creep up to the surface over the years. The same happens under ground and, unless you bury your pipe well under the frost line, something more durable than your pipe will find it's way up against it.
To be honest, I've given plenty of thought to using the Badger stuff inside of 6" PVC. I'm only going about 40' with my new install so it'll be pretty cheap to buy 4 sections of PVC and a long sweep 90. It'll save some money over Logstor, but in the end, it won't save me any time. All said and done, it would save me about $300. Is it worth it for me? Probably not. If you're going to put in 200' of pipe, maybe.