Main Question: I've been told that a concrete skirt (8" sloped pad) below the frost line and attached to the foundation via rebar is a good solution for putting pavers next to a block wall foundation that has had uncompacted backfill. Is this really a good idea or are there better ones?
My concern is that the concrete skirt could crack the cinder block with settlement over time. Without that solution, am I taking a huge risk that my pavers up to 3' out will settle over time and need fixed?
Project Background: I'm building an 18'x20' paver patio (19'x21' total to account for overflow) alongside my house. 18' will run parallel to the foundation, and the 20' will run out to the yard. The 3" high pavers will sit next to the cinder block foundation (No siding), and I'll have 1" of leveling sand underneath, followed by 6" of crushed 3/4" stone (Totalling 10" down from the finished height). Landscaping fabric will lay between the stone base and clay soil underneath. Note: The clay soil is full of shale, and the house is in Pennsylvania (So all seasons here).
Current Situation: I've dug out the clay/shale dirt to set the stone base in, but noticed around the foundation block that the soil had air pockets in it from all the shale scatter amongst it at various angles. There was a smaller concrete pad in that same place that I dug up previously due to cracking and having an improper base.
Current Advice Given To Me: A seasoned hardscaper told me most builders overdig the basement by about 2'-3', lay the foundation in, and then backfill the outside without compacting. No matter how old the house, that backfill will continue to settle. His suggestion was to make a concrete skirt down below the frost line that would support the stone base and pavers above if there were any settlement beneath the skirt.
His directions were to dig out 2-3' (Until you find the compacted soil past the backfill), 19' wide (The width of the base) and 44" down (Below the frost line and adding in the slab thickness). Afterwards, lay rebar down in a gridlike fashion (Drilling 4" into the cinder block to attach the rebar to the foundation). Next pour an 8" thick slab (Running the width and length of the hole) with a 1/4" slope finish that goes out to the compact soil. Let it cure, and then pour in 3/4" stone (Compacting every 2") until desire height for sand and pavers.
Picture Reference of Concrete Skirt Below Frost Line (Note: Not Exact Scale)