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What you're finding is correct, BEopt does not currently allow an option with combined perimeter and whole slab insulation. In general, the perimeter insulation will not provide as much benefit (i.e., will be less cost-effective) if you already have whole slab insulation. Can you provide more information on how common this is or why you want to model this? We can look into allowing it for a future release.
Regarding ground temperatures, BEopt uses the Kiva model in EnergyPlus, which is a 2D finite difference model. You can read more about it here.