John,
Yes, the subfloor provides a nailer for the loose ends. The nailers provide the strongest anchor provided the nails are long enough. Local installers and retailers can tell you how long the nails should be for your application.
Gypsum is too soft to be left uncovered. That is why it is always covered with something tougher such as tile. To me, installing a hardwood floor over gypsum is unusual. But I believe that by properly terminating the butt-ends over a nailer, the gypsum will be protected especially since your nailers are 8" on center.
If you have to use a subfloor under the hardwood, I am afraid that the delta T of the water in the tubes compared to the room temperature desired would be too small. For instance, 80º water in the tubes versus 72º room temperature is so close that the loss in exchanging the heat from the tubes to the floor might not be noticeable. In other words, the temperature in the room might not reach comfort level.
The best person to ask about installing hardwood over gypsum would be Norm Abrams from This Old House. The best place to ask about radiant heat and the necessary difference in temperature (delta T) would be the Radiant Heating forum within GreenBuilding Talk.
Do verify anything I tell you. Good luck.