Since you say *RE* insulated, did they just put the new insulation on top of the old? If so, perhaps you could take out the old to lower the level. It seems very surprising that it should be *SO* high.
As for dampness, just don't cover the whole floor. Leave gaps, especially around the edges. Also, if you have damp issues, don;t put boxes straight on to the boards; put pieces of wood or similar to allow air to circulate.
For the additional weight, then don't even think about storing weight up there if you have doubts, it could be catastrophic. I;d be a little surprised if there was an issue, but you need to be sure.
"professional job with all sorts of structural issues" - the structural issues will be there or not irrespective of whether you use a professional or bodge it yourself. What you mean is that a non-professional job can ignore them.
That may be appropriate/safe since the structural issues may be lowest common denominator regulation driven rather than actual safety driven, but you should quantify the risk, not just blast on regardless. Perhaps the neighbours have done something similar on a similarly constructed house?
I've never used extenders so have no comment on them.
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