I spend far too much time hanging out on the HOH forum and from everything I have read there, all I can say is that tile is waaaay more tricky than most people realize.
1) Most or all tile manufacturers recommend against laying tile on OSB. (I don't think this stops most Calgary homebuilders from doing it anyway, though.) OSB easily swells and delaminates and also is not the greatest surface for thinset to bond to.
2) If you need to build up your subfloor, 1/4" ply is not going to cut it, because the screw heads can easily pull right through plywood that thin. Also, make sure that you thouroughly screw the plywood to the OSB... also, do not screw into the joists.
3) Depending on the construction of your home and the type of tile your are choosing, you may need to beef up your joists, because minimum building code allows for way too much deflection.
4) Ditra.
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