In theory your insulation should be running not only between the joists but across it i.e. perpendicular to them to meet the required standards.
So therefore you would probably be best off getting insulated rafter boards and minimising your floored areas.
Admittedly when I did it myself I wasn't aware of this and now that it's floored I can't really add additional insulation without taking it all up, so it might be in your interest to consider it at this point.
If you're getting insulation in your attic, you need to increase the ventilation in the attic space.I would prefer to insulate inside the tiles, thats where the condensation appears, and it would also help the water tank.
I cut a nick in my joist, this is nothing compared to the thickness of the joist, plus if you are screwing a 1/2 in thick floor on top it should be stronger because it is making a kind of box section. I must add that I am not an expert on this matter.
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