Mark, I like DIY too, for the experience if nothing more. And you certainly sound like you're doing good research and know what you're getting into so you have every chance of success I'd say.
Is rebar needed? Nope. But as Adavisus said, I think, it's an engineered thing. No rebar normally means thicker concrete. But a lot more.
Research the fiber additives more, my understanding is they're used more in thinner applications and not useful in thicker but not sure.
It is true many (maybe most, seems like almost all) DIY concrete ponds fail...and in spectacular fashion often. Removal being even more work and $$$ than the "build". But in all cases I've read about and seen the cause is always the same. For some reason people think they can engineer such a build with absolutely no experience and no research.
The best source of info imo is from concrete swimming pool construction, not ponds. Professional built ponds in the US are built exactly the same as pool with just the drain/skimmer stuff being different. Much more info and many more builds. Lots of research has gone into pool construction to get the lowest cost AND the most reliable.
From that there are a couple of things DIYers seem to miss. Most importantly pools are built so they could be pulled out of the ground and rolled down the street and not crack (kind of). Meaning they do not rely very much on ground support. Should one end settle even a little there is tremendous stress created. By making the entire structure basically self supporting is help the whole structure to settle, move, as a unit. Most DIYers seem to think the ground provides the structure so a little concrete to "waterproof".
The second thing is that the thickest part, and the most rebar, is in the collar. The bottom is the thinnest. Kind of the reverse of what most people intuit.
Here in the US I've only seen pools built with rebar...a lot of rebar. My assumption is that's the cheapest and most reliable method. I like thinking out of the box and creating my own designs, but I don't need to be an idiot either.
As far as not using rebar the only example I can think of are driveways. In San Jose CA building code does not allow any steel and instead the concrete must be 6" thick. I'm not 100% sure why, could be they want removal to be easier.
For sure proper construction with rebar doesn't have any problem with rusting or ice and cracking isn't a problem given the millions of concrete pools that have been in use throughout the world for many years.
I'd be very careful with DIY websites showing pool builds. These almost always show the build and holding water the first day. Given the construction these must certainly fail later but of course people very rarely post their own failures. Sites make it sound great.
And I agree 100% on seeing liner and folds. I don't want to look at that, algae or not. And folds make cleaning a bit more difficult. However, I also like EPDM a lot. Hard to mess that up and cheaper than concrete. So what I do is lay the liner and then concrete over the liner. Basically a stucco (render) veneer over the liner. Only has to be 1/2 to 1" thick and no steel. Actually I normally mortar rock over the liner.
Solves all my liner issues while staying cheaper and easier. I like the look of rock more than even concrete but this can result in something hard to tell from a solid concrete pool/pond. Makes cleaning much easier (no folds) and you or dogs can walk around in the pond without fear of liner damage. Also very easy to remove, change, etc...
You can also use cheaper poly liners which the rock/mortar protects.
My web page
http://www.waterbugdesign.com/pond/rock_bottom_pond.html