So, where it passes through the wood (or laminate) floor, is it cool enough to put your hand on the pipe?
Yes. At its hottest its still below 200º
And it's just a layer of boards over the top of a block of concrete with a 1" air gap between it and the pipe.
If I had planned ahead I would have cast the concrete an inch higher so to be flush with the flooring, but I didn't so I ran the flooring boards over the top of it so there wouldn't be an inch lower 'hole' in the floor where the concrete was. Upstairs the concrete is flush with the flooring so there is no wood near it.