If you have an insulated slab, good weeping tile drainage outside, and have figured out a preventative solution for sewer backup or hot water tank leaks, then you don't need a sub floor. Just don't install wood floors directly to the slab.
I am in BC, and put in a subfloor because it was a 40 y.o. no insulation slab (cold), and quite unlevel. No way could I install tile or laminate without a more expensive levelling.
I recommend no sub floor but use laminate and carpet with a great underpayment. Warm and soft and quiet. Modest price...fast install..Win, win, win ,win, win.