in a nutshell, yes, it's ok as long as the ventilation is sufficient.
no. see the examples in those links above for a clear explanation. the heat from the house will warm the loft (unless the above ceiling joists is heavily insulated) and the dry air will continue to circulate above the insulation between the rafters.
no laughing, no pointing :-) google for cold roof an warm roof, then click google images for pictures which will lead to websites explaining things in detail.
hth