I worried about frost heave but saw zero evidence of it this winter
I grew up in Upstate NY and the ground would freeze to better than 3' (I built pole barns which required drilling holes in the ground, 3' of frozen ground, fun). I agree with you, it was pretty rare to actually see heave damage. We had lots of sidewalks and there wasn't a huge amount of heave damage. Cracking sure, but not like the sidewalks all had to be replaced every year.
For most pond designs I would not worry much about freeze heave damage. The only places are like what you said, heavy stuff. Placing a ton+ rock on the edge of a pond...yeah, that requires a real foundation.
To me, for most cases, a simple reinforced concrete collar is plenty good enough for up to say 80-100 lb rocks on top. There will be some heaving and the collar will crack, but it's no big deal. The reinforcement will hold the chunks together. Unless there's something strange, like setting a collar on loam or mulch, then heaving could become a problem.
I think it just has to be scaled to the pond and what the owner is willing to accept.
To your point of different grades of Treated Lumber, James should be all right if he tells them what its for--they will give him Ground Contact Treated Lumber--(although on this point I'm not sure I quite agree with you-most of the new treated wood formulations are much better than they used to be)
Pressure treated wood is graded 2 basic ways. The first is normal lumber grading, #1, #2, etc. A lower grade wood is more likely to split (check) which exposes untreated wood to rot.
The chemical treatment is graded by the number of
pounds of treatment per
cubic foot of wood, pcf. So this grade could be say 0.15 to 0.60 pcf which would be a marine grade.
I agree with a lot of what Waterbug says but I also Temper my reasonings on pond building with the fact were not building the Taj Mahal or the Great Pyramid of Cheops here
Absolutely. Generally when I discuss building I try to stay in with standard building practices. I'm not saying a person must follow those, but I think it's smart to know the standard methods so when you chose to deviate you're making an informed choice. For example, knowing why pressure treated wood isn't allowed for foundations is better than thinking pressure treated wood will last forever, or that it doesn't rot. Choices are good, surprises are bad.
I'll relate this little story about wood vs concrete for what it's worth...I'm a wood guy born and raised. I never learn mason skills growing up, few people around me did. When I built my first above ground pond I went with pressure treated wood. Thought it would be easy and cheap. A couple of ponds later, wanting to learn different methods, I bit the bullet and built an above ground pond with concrete block. What I learned there caused a 180 in my material of choice for ponds. I'm now concrete all the way. Just saying I was surprised how easy, cheap, strong and long lasting concrete was. I wish I'd tried it decades earlier.