Been a while since I last posted here but this tread head a nail on the head. I build sheds and small houses with this exact same problem. Solution is to build the floor in sections (called platforms) each is 4 by 8 feet with "upside down" floor joist then 1/4" plywood, next turn back over and install a 4x8 sheet of subfloor plywood (usually 3/4") with only four screws, then install to the support piers or blocks. wait for it.
Next install "grade beams" completely around the outside edge of building on the piers to hold all the platforms in place, next install walls on the outside beams, then the roof, and wall cladding.
Now back to the floor, it is nicely dry no water in the insulation, lift the subfloor from the first row of platforms install insulation (usually mineral wool - Roxel), roll out vapor barrier one row at a time and then reinstall plywood sheets and firmly fasten down.
Note, often times go the extra and paint everything before installing to provide extra protection (white - the pencil lines show up better).
This helps in our neck of the woods due it rains just when you don't want it and also makes a very strong floor system (double floor joist every four feet.
Yes, cost a little more but also uses smaller components which a easier to handle and place.
Cheers and post pictures of your project.