About the wooden floor thing, what it actually says in the contract is that the floors have to be covered with soundproof material such as carpet, lino etc. It does not say that wooden floors are not allowed specifically. In fact after I had the flood, the developers themselves replaced my wooden floors, thereby implying that they were ok. But there is insulating foam stuff underneath them, I believe that is standard when you lay semi solid or laminate. Fully solid timber floors are usually raised on batons and are therefore noisier, I'm not sure if they usually put insulation underneath them.
I think most people have wooden floors and I haven't actually heard anyone walking around above or below me, and I don't wear shoes inside so I presume I'm pretty quiet too.
sm1