In short, I wouldn't recommend any type of 'temporary fix', or the like, in this situation. The 'right' thing to do is to do this job right.
You need to insulate your floor and pipes, take proper measures to eliminate/reduce water and/or moisture in the crawl, and get the 'wood' off of the ground. Beyond that, anything you do is a 'temporary fix' that MAY not last.
I know you said you haven't had any past problems but I think that's just luck. It's only my opinion, and I can't see it from here.
My best to ya and hope this helps.
Jay J -Moderator
PS: Stick arond - Perhaps others have some feedback ...