I would be getting permits for all this and assume the insulation, and gas sealed fire rated drywall ceilings in a garage would be normal code.
I guess stick framing would be a good choice if the bales were cut and fitted around each wall. I wonder how well they would hold up to stucco. Normally a straw bale house holds up better without any kind of vapor barrier, which causes moisture problems in straw bale construction. Sticks would make it tricky. What kind of thickness would I need to support the extra weight of bales on the second story? Are we talking 2x6/2x8 instead of 2x4?
As to my original question, I mentioned using 4 telephone pole or something similar as pillars in each corner, outside of the straw bale walls, to hold up a second floor. I wonder what kind of beams I would need to span 20' without any additional supports.