We had our stacked wall cleaned and sealed, no mold so far. Cannot help with the curbing as we have never had it. IMHO, get estimates for both, you maybe surprised at the cost difference. We also like the stacked wall, as you can change it if you change you landscaping. We just did that, and a lot of the old wall was reused in the new wall.
As for your original question, no freeze thaw cycle, so from what I have seen these hold up well.
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Pennsylvania, for 60+ years, most recently, Allentown, now TV. 
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