Hi Scott,
If the joists are in good condition your span is OK for tile installation. Your 1x12 planks will be OK too, just make sure they are well fastened and not cupped or warped. The 5/8" underlayment with no t&g does not create a problem either. But what you call "chip board" does.
Chip board refers to particle board, which is not a suitable product in a tile installation sandwich. You should remove it if it is particle board and replace it with an underlayment grade plywood, not CDX grade though. Due to variations in thickness you may want to remove all the underlayment and install new.
Ditra is my favorite membrane for a job like this, good choice.
Jaz |