On making some time to crawl under the house, I found that water was leaking almost everywhere. In the last two nights, we had no protection over the OSB and the floor was a quarter inch depth pool. From what I gather, the path likely being taken is through the hole made by the nailing. I removed a few bats of insulation to review the moisture issue. From what I can tell, most of the moisture remains trapped above the plastic membrane (so the OSB is sitting in water), but yet there still remains water getting on the joists.

Top is my sub-floor
Bottom is a proper filled sub-floor

It also occurred to me the insulation contractor severally short changed me. Not only am I not getting the 10 inch R-30 install, but they cut all the material in half, so more like a 5 inch bat. So maybe an R-15 install.

So I’m looking to remove all the insulation to help with the drying of the sub-floor wood. Where to place all the insulation is going to be a problem. Looking into the subject matter a little, I’ve learned that some don’t see the basic insulation approach to be very good and would likely lead to problems long into the future. See here for more details. Maybe one can argue this doesn’t apply to the local environment, being a dry climate. Right now we are very wet around here, ground is saturated. So my mind is tweaked for designing for better. That being said, looking at eventually having the insulation “properly” installed followed by a rigid foam insulation trapping the joist in.
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This could cost me about $500 based on a $22 price tag to Rmax Thermasheath-3 1 in. x 4 ft. x 8 ft. R-6 Polyisocyanurate Rigid Foam Insulation Board.

First, need to remove insulation to help allow the sub floor dry out.  What happens after that will likely be this summer during a hot spell.