Vented to unvented crawl space
I have a split level with 600 sq. ft. crawl, all below ground with no mechanicals. Crawl is accessed inside through the utility room. I have two proposals to remove the present fiberglass insulation and poly on the floor, clean and kill the mold. Both companies want to replace the poly and run it up the cinder block wall, leaving a space to see termites in future. One company quotes insulating the wall with eps called Boraform, the other insulating between the floor joist using fiberglass in plastic but the vapor barrier on just one side. I have read where it's best to insulate the wall but I am hesitant because on occasion the lower block gets wet from very heavy rain and be blocked behind the insulation. I am also concerned that the hardwood floors will be colder than they are now and noisy. Both would block the vents and add a dehumidifier. Any advise anyone could give me on which method would be better in my situation would be greatly appreciated.