I had to think this over a bit before I replied and I am glad I did.
I have what you describe although in my case the wood over dirt is softwood instead of hardwood, but a moot point I think. Anyway here is the skinny on it as I have experienced what you are asking in the State of Maine anyway. Mold WILL NOT be an issue as the humidity in the air in the winter is drastically low in a heated house, especially one heated with forced hot air as you describe.
In my house I have two sections of flooring, and one has 2 inch Styrofoam insulation under it and the other section (a mudroom) does not. Being a shoeless house, we remove our shoes whenever inside, and as such I can say that the floor buffered by insulation is cool, but bearable in our harsh winters, but the mudroom is not. That is where our lockers are, and where my 4 daughters, and my wife and I , remove our shoes and store them. It is a VERY quick walk to get into the house I assure you.
Now my dirt is placed over a
concrete slab so that may differ, but I don't think so as concrete is just hardened earth after all. I am not advocating concrete, I just feel I would be amiss to not point that out.
As for rodents; I am not sure. Again I have concrete, but a common practice on concrete slab on grade is to put a box and keep the concrete away from any traps around showers so that they can be positioned during installation. In my house this was about 4 feet in from the edge of the concrete and rodents still tunneled under the slab, found the hole and came into the house through that route. Only when I pulled the
shower, filled the area around the pipe with concrete did that stop. HOWEVER, with that being said, a homestead with livestock of any kind is going to attract rodents of this type, and I deal with it to this day. They get in. So while I think having a dirt floor would make it really easy for them, counter measures are still in order. With a dirt floor it may not be an issue if you were just more proactive then I am. Here we are sporadic on rodent control, but a better approach would be to get a dog or cat that is rodent-aggressive. With that in place, and maybe a place with no livestock, a dirt floor with wood on top may work.