Welcome to permies! Yes, an understandable quandary. One solution I know that people have used, is to put rigid Styrofoam insulation on top of the roof cladding, put pond-liner on top of the insulation, and a green roof on top of that (to cover and protect the
pond liner).
I'm sure that elsewhere, I saw a fellow make a box-like structure on top of the roof that was large
enough to hold hay-bales. Bulky but he made it work. Something similar could be done with insulation with a higher R-value (thinner but more effective insulator).
The key with whatever you do, is to consider whether warm moist air can infiltrate the space, cool and condense and then lower the R-value. This won't happen with Styrofoam, but it's toxic to make, dangerously nasty if it burns, and hard to recycle. Yurts were traditionally insulated with wool felt, but yurts could easily have the felt "refreshed" with more wool as it aged as it wasn't trapped inside a roof cavity. Wool doesn't burn easily or well, but yurts originated in "dry" geographical areas - the concept in its original form doesn't work well in wetter climates.
Whatever you decide to do, make
sure your building is designed for the weight! If anything, *overdesign* for more weight than what you expect the roof to be, and for more snowload than you expect to get. That way if you find your building isn't staying warm enough, wall strength won't limit you from improving it! I'm a firm believer that if a little insulation is good, a lot of insulation is better. Yes, you get the law of diminishing returns happening, but people use a huge amount of
energy to heat their homes, and a home that is well-insulated, uses less energy from the start and the savings don't go away. Also, many people don't realize how important the reverse is - more insulation can help your home stay cooler when that's an issue.