Unventilated, unheated attic on insulated ceiling floor works even without permanent ventilation. As always, it helps to use your brain. If it is -5 degrees outside, someone has just showered upstairs and you then open the attic ladder, you of course get a lot of moist warm air going up. If you ventilate well downstairs beforehand, what should still come up? If necessary, you can also ventilate the attic again if there are windows inside. Since the temperature differences between inside and outside in the attic are smaller than in the rest of the house, this also reduces the risk of mold. Condensation moisture has less chance. But you have to be careful not to bring too much moisture up! If I were to rent out my house, I wouldn't insulate it. I don't know if you can find smart tenants. For own use in my opinion, it is okay.