[Todd, glad to be of help! I also prefer older houses, working in this business, I see a lot of stuff in new home construction that really irritates me...(and this coming from an engineer) ... lol. I've designed a few $$$$$ homes for the Dallas area that were all pier and beam. IMHO, it's just the best system for this area.
Steve, I'm not sure if I read your post correctly, and I don't intend on starting a flame war, but your facts are way off.
Shimming something up is very easy, removing shims from between two pieces of wood that are being clamped together with 100 to 900 pounds PER SQUARE INCH is not easy, if even possible.
Seasonal moisture changes in clays can be at the surface, and easily identified, but most likely they are deeper than that. I've seen sites where the clay 10 feet subgrade has caused 3 1/2 inches of uplift.
In GENERAL, in the Dallas area, the largest soil concern with most foundations isn't shrinkage, but expansion of clays and the uplift caused by that expansion.
If your idea of the 4x4 is to hang one from the joists, it's simply a bad idea. Wood is awful in tension (ie - hanging the 4x4 from the floor joists - ESPECIALLY putting bolts in the tension fibers). Wood (when designed properly) is used in it's strongest properties, bending and compression. Connections should always be in bearing. Your suggestion relies on deflection of the primary members before ANY load is transferred to adjacent joists, and depends on a tension connection to transfer load.
Sorry to rant so, it's just that I've been in the construction industry for over 15 years, and I've seen too many "I always do it this way" solutions that may work for a while, but are really accidents waiting to happen. Most people that rely on this and "I've never had a problem doing it this way" aren't around long enough to see the problems that arise. This is especially true in wood frame construction, where the material is not man-made, and doesn't have consistent properties. Homebuilders have a one-year warranty. Structural Engineers have a TEN-year limit of liability per the law...but are morally responsible for life.
That is a big part of the reason I offer my assistance. It's always better to be a little conservative and RIGHT when you're talking about structure...something that is VERY expensive to fix, and VERY dangerous if done wrong. One acronym that I've heard many times over the years explains a lot about construction. "KISS" - Keep It Simple, Stupid.
It is entirely possible that he won't need to do anything to set a large tank, and it's most likely that any correct solution will be fairly straightforward. The number of solutions (member reinforcement, load distribution, load transfer) are only limited by the designers creativity. The number of PRACTICAL solutions is limited by time, space, and budget.
People can say, "I've done this" or "I've done that", but the correct solution for Kevin can only come after the UNIQUE situation he has is looked at.
Whew, again....I don't mean to personally attack anyone, but I deal with this stuff for a living, I've seen the issues as a home owner, construction worker, contractor, and Engineer, and I may be a little short (albeit long winded) when I see something that's given as fact, and in fact is not true.]