Id still go with linseed, most cases when it goes moldy its because there was either not enough initially or it hasnt been kept up. Its not hard to keep up with, as long as your already polishing your wooden furniture its the same, just polish with linseed. After time you wont have to polish as often too, If you dont want to polish then I wouldnt worry about oils at all, Id just polyurathane it. Using oils isnt really a 1 application and walk away kind of deal, best methods Ive found is first to use a paint brush and paint a thin layer on, leave it for 8 hours and then using a cotton cloth rub some more in, and rub quite vigourously too, the heat and friction build a fine film that will repell water to a certain extent. My grandfather made the majority of my Mums and Nans furniture, alot of that has been oiled with linseed, its been 10 years since he passed, and no linseed since, just Mr Muscle or something like that, no mould, still looks and smells great. Its really up to you how much time you want to put into it, linseed requires a bit of time initially. There are other oils as people have mentioned, I dont have any experience in them myself, i dont fix what isnt broken but Im sure they will work just as well if the same effort is applied, and might provide a different finish.