I just read it on Wikipedia (I know, forgive my source sins!)
Anyways, the whole bacteria thing could matter, I mean, I would imagine it could lead to odor or contaminated soil around the house.
I actually changed my plans to be a bit simpler. The new plan is half bermed on the south side tapering toward the north entrance. Do the bermed portion with earthship tires and insulate above grade with strawbale. This will be more conducive to lighting the home and it will make my potential
water problems go away.
However, either of these materials (pending the whole bacteria question) may still work well to insulate the earth roof, so I won't waste the info!