I am making a cake sort of similar to this one:
Her first choice is strawberry cream cheese frosting under the fondant (I use MMF) but I have said that because I generally don't refrigerate fondant covered cakes as they tend to sweat that I wouldn't feel comfortable with it...but I am curious if it is possible without it spoiling? Due to the design, there isn't the option of using it as a filling so it would be directly under the MMF.
Cream cheese requires refrigeration no matter where it is placed on the cake.
I used Edna De La Cruz' crusting cream cheese recipe for a couple of my cakes & it worked beautifully under fondant. The powdered sugar is a stabalizer for the cream cheese so you don't have to keep it refrigerated. You can find her recipe on her website at designmeacake.com
I agree I use the Cake decorators cream cheese frosting posted by Kathy Finholt and it doesn't require refrigeration. The sugar content preserves the cream cheese. I have been using it for years. It works great under fondant.