Hello, Interesting post, particularly so since you are a contractor. My wife and I have spent a great deal of time researching insulation alternatives, and we find a strong consensus that at least one inch of Closed-Cell Foam Insulation can be an excellent and very likely the best investment one can make in their home. This is based on some essential assumptions. Assuming you are using some common siding and roofing...The foaming must be done (a) after the rough-in of electric and plumbing, (b) after the siding is on, (c) after the roofing is done, and (d) perhaps also after HVAC ducting is done.
The one inch of closed-cell foam will plug any and all holes, will function as an air barrier and as a vapor barrier - thus eliminating the necessity of purchasing and installing TYVEK or an equivalent 'house wrap'. (After installing your Tyvek house wrap, which is supposed to function as your air and vapor barrier, you will punch several thousand holes in it when you put on your siding, how wise is that?!). See also this link for compelling information from a site where they are not selling insulation, just presenting facts, as well as information from users as well as contractors...
http://www.monolithic.com/stories/foam-chapter-04
If you apply the one inch of closed-cell foam after you do (a) through (d) mentioned above you will have an impenetrable seal of your home. Is it not true that moisture-laden air movement through insulation is the source of the water (and nutrients carried as 'dust' with the air/moisture mix) which the mold must have to grow? The one inch of closed-cell foam stops all those air-leaks, and stops convective flow of moisture-laden air. With this air movement stopped you need not worry about mold. Now the home owner can proceed with adding more foam if money is not an object, or they may choose to add a less expensive alternative insulation to fill the remainder of the wall, ceiling, attic cavities.
I do like your idea of spraying the cellulose into a moistened cavity. I have read in numerous places that a 'skin' will form much as you describe, and additionally that settling will be at worst minimal. I can understand that the cellulose could be better than fiberglass batts (paper-backed or not), no matter how careful the installers of the fiberglass batts were. Wouldn't it therefore be wise(est) from an economical perspective to use 1" of Sprayed, Closed-cell Foam, then use 'your' cellulose application to complete filling the cavity?
Have you ever done a side-by-side comparison of closed-cell foam vs cellulose - one house done with foam and another very similar style and square footage home done with cellulose? Have you ever done a side-by-side comparison of a home where they used just 1" of closed-cell form + cellulose for the remainder vs just cellulose? It would be very interesting to get a year's energy use data on those homes and compare. I wonder if anyone reading this thread has any personal information to share, or if anyone reading this knows where to 'send' us all for actual comparative data.....????
I do not believe there will be a problem with mold if you use Sprayed, Closed-cell Foam. Everything out there argues very strongly that it will not be a problem. The above link addresses this issue fairly well.