Hello Will,
Now I probably going to be taking you..."down the rabbit hole,"....with some of my comments, so just go with it and look things up if they interest you or your not sure...otherwise feel free to ask more questions.
1. Should (or can) the cob simply sit on the wood (say on a plywood subfloor and up against studs and headers, etc.)?
Well....Hmmm....that is hard to pin down in as much that it would depend on the design and who (or how skilled) engineers the frame and structure.
I don't use plywood very often at all and only green (fresh of the mill lumber) for many projects. Again...it all depends on the design.
I've heard or read that it expands and contracts differently, moved under wind pressure differently, and so on, than wood, so sometimes after a while you run into issues with that. Any comments?
Again...design can exacerbate this yet it generally should be an issue if all is designed well. That is not to say that there isn't always some "tightening up" and maintenance to do each year, especially the first 2 to 4 years as the architecture "settles." Wind in general (other than a tornado or Tsunami) shouldn't be an issue if things are designed well.
2. Would a doubled cob wall with an air space between them be considerably more insulative than just a single thick one?
Yes
I live in Portland, Or, it doesn't get all that cold in the winter except occasionally. Any recommendations there?
I think this is the time to suggest reading about the following methods to expand your possibilities:
Straw clay slip walls
wood chip light clay walls
Kubbhus
3. The soil in the yard appears quite clay-y. It should work well enough but are there any sorts of tests to see if a soil is has a high enough clay content?
jar test for clay soil
4. Is it usually ok to just go to an ocean or lake beach to get sand?
Well, if it is legal, and you don't mind hauling several tons...it can be acceptable...Sharp sand is better than rounded...but we all have to "plow with the horses we have..."
5. Do you usually have to buy straw or or can you usually get that free in some way too?
99.9% of the time you have to buy it...
Regards,
j