Any moisture from the living floor passes through the insulation
Normally, there is a vapor barrier there, so that the heated living space is sealed airtight and vapor-tight.
I understand it as follows: Above the insulation in the cold roof there is initially ambient air, warm and humid in summer. In case of a weather change or also during the day-night cycle, this air cools down. If the air layer above the insulation is practically sealed in and poorly ventilated, excess moisture condenses and wets the insulation and other building components*. Therefore, it makes sense to ventilate the roof space well. So either the insulation is left open or, if you want to make it walkable, you design the structure to be as "airy" as possible. This then somewhat excludes building materials that are very dense. (Whereas IMHO sufficient distance to the insulation and a sufficiently large free edge strip are more important than the question of tongue-and-groove or OSB.)
* For the same reason, desiccants are included in various packages for the expert or overseas shipping. Everyone has surely seen these small packets before.