Central heating pipes are often laid directly into solid floors, normally they are wrapped with insulation, but if they are going into channels in the celotex then no need I guess. I'm not so sure about your plan of adding insulation to the floor - 30mm of celotex and 18mm chipboard - surely that will cause some issues with the floor heights? You are correct in that the current floor most likely has no insulation. How about laying some multifoil insulation down? Much thinnner, but might work out a bit expensive.