We built our first house using ICFs. We actually sold that house before it was finished and so I have no experience living in it. The house we are planning to start this summer is a log house with a walk-out basement and a passive solar collector in the 3 story stair-well and wood heat. To me, it doesn't make sense to insulate the concrete walls on the inside because it is part of our heat storage. The other issue is that we have violent allergies to mold (a few years ago we lived in a '50's concrete house where the black mold completely filled the void between the sheetrock and the concrete- and we live in an arid but cold climate).
I'm a pretty good "googler" but I have not turned up much information, either about mold or finishing the interior without using ICFs. I thought I'd try the experts

Are there ICF's that have a minimum of insulating on the inside and most on the outside. What about mold? Is it possible to do a standard pour and then finish the inside wall by parging so that it looks attractive? I like sheetrock texturing, and got pretty good at it when we remodeled the house we're currently in.