trkent, I would recommend putting leaf litter down or live sheet moss on top of the coco fiber, NOT sphagnum moss or other loose type moss because it is an impaction risk no matter who thinks it is okay to use. I would NOT put the cypress mulch in unless it is 100% covered with another safe material. If you're going to cover it anyway, you might as well keep the coco fiber in. The risk of eating and impaction is just too high. There are also some cool other ideas, kueluck had a really awesome set up for her whites -
http://www.frogforum.net/tree-frogs/...tml#post247764 - Post #3, there are instructions written below it for how she set it up. Elly is post #4 and shows how she uses her leaf litter and live moss. Do disregard post #2 on the thread that I linked though, as that is not a healthy set up for a whites.
I keep the floor of my tree frog vivs completely covered with leaf litter (if you can find a live oak tree in a pesticide free environment, you can collect your own, but it's not too expensive to buy in the states) and live sheet moss. That way there is nothing stuck to my frogs or the walls of my viv.
Using unprinted paper towel as substrate would work fine also. It does have to be changed every 1-2 days though so it can be high maintenance.
Frogger...I'm not sure why you bothered to ask for advice when you're going to do what you want anyway. Go ahead and risk your own frogs, but do not try to promote it for others.