Adding general floor checks (or low ceiling checks) might create problems with terrain additions, e.g. via building stairs/platforms against the wall. I would add such checks only for the very beginning.
Can you provide a more specific example of what problems you have in mind? My suggestion for adding floor/low-ceiling checks is still specifically about climbers and hoisters, not every possible action. If we want consistency, it's not clear to me why it should matter that the terrain is pre-existing versus added via a skill. Having checks happen only at the start seems like the same kind of "adds another rule (i.e. makes gameplay more complicated)" situation that you were objecting to earlier when discussing namida's proposal.
The word "general" in my previous post was intended only for climbers (ans possibly hoisters), i.e. in situations like the one in the attached picture, I think the climber should continue. The reason is the following:
Let's consider the opposite action: removing terrain. If you remove terrain at the lower half of a climbing lemming, he will continue climbing. This indicates that only the upper half of a climbing lemming counts for determining its position and whether he should continue climbing. So after adding terrain in the bottom half, the lemming should be above the added terrain. As stopping to climb and start walking on the added terrain is kind of weird, I am in favour of letting him continue on his climb.
As for a possible implementation: At the beginning failing the floor check should immediately turn the lemming around, because there is simply no wall to hang on to. On a successful floor check, he will be at least one frame in the climbing position. Once there one can apply ceiling checks to determine whether to continue climbing.
True, this suggestion has the disadvantage of "adds another rule", but I am not yet convinced that one can drop this rule. Furthermore while floor checks may replace namida's suggestion, the converse is not true. Even with namida's suggestion, one might need floor checks and has to decide when to apply them.