ttuterry,
Slab on grade design is as much art as it is science. There are many acceptable ways to achieve good performance. There are also many ways to run into problems. So when you read various posts, you will find a wide range of opinions. I have found that 4" slabs with rebar work fine if they are done correctly. But besides just the thickness, reinforcing and jointing, you also need to consider many other factors like water content, aggregrate size and grading, vapor barriers, etc. Read up on the subject as much as you can and find an experienced designer to review your work.
slideruleera,
3" cover is not necessarily required for slabs on grade. 3" is the ACI 318 requirement for structural elements that are cast directly against soil and is meant to account for the irregular surface of the soil and the possibility of soil contamination in the bottom layer of concrete.
Slabs that are placed over vapor barriers and/or compacted gravel eliminate the irregular surface and contamination concerns. Also, most slabs on grade are not considered structural elements so ACI 318 does not apply anyway.