The condensate are the drops in the right image (by the way, I didn’t put those in, the U-value calculator did)
I don’t have a conceptual error in that sense, I am just questioning. The answer to my initial question about how the floor structure should look is that a vaporbarrier above the insulation is necessary to keep the indoor humidity away from the surface of the floor slab. Only then can no condensate actually form. This must therefore be executed very meticulously.
Considering the entire effort, in the end I find perimeter insulation under the floor slab simpler and less prone to errors.