bad head gasket or bad heater core?

You need to check where the coolant is going. The wet floor board indicates a possible leak with the heater core. As to the head gasket, you need to get the coolant leakage resolved and then monitor. Could be both problems together.

if it was a bad head gasket, would my dipstick oil color be like a chocolaty creamy color? in my case my oil dipstick looks fine it looks normal and shiny tannish/brown like i guess how its supposed to look. (picture included) i know its kinda hard to tell.
and yes on my drivers side floorboard it is wet!!!