Hi,
I am on the beach in NC.
I myself wouldn't recommend OSB as an underlayment because any water spills,dog pee, changes in temperature/humidity or anything that is not really noticed will make OSB swell up and the peel and stick laminate will not stay on the OSB very well.
Another option I used to keep headroom down was 1/4" foam board 1/4" birch plywood/luan which is finished grade(so the peel and stick will have a better chance at being smooth and staying flat) on top of mine I built all walls and whatever and did solid linoleum sheets like a wet area under all the sinks,water heater etc. and another underlay and a cheap bamboo pergo off brand type floating floor in the visual/walkway living area and it has lasted very well with dogs,kids,rain for at least 4-years now.
Good luck
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