Re: Insulation below subfloor
Howdy, terrible cold floor, yikes. Easier then pulling floor and installing foam is to remove the ceiling and insulation. Then have 2" closed foam spray applied then filling rest of cavity with fiberglass bats& re dry walling with 5/8". The foam not only will make a huge comfort difference. Best is it seals out any auto off gassing that can leak into the house. The foam is $$ but decreased utility bills - or doctor bills is a great plus.
Any an all of my comments are just my opinion and not to be confused with facts.