IGNORE PHOTO. This page has examples of PLYWOOD sub-floor as floor. Scroll down, several good examples. Example: Without a durable finish, plywood veneer is more vulnerable to damage than a traditional hardwood or composite floor. The couple added three coats of floor-grade polyurethane to the plywood's surface using a lamb's wool surface applicator. Between each coat, they lightly sanded the floor by hand, wiping away dust with a damp towel.