Plugged drains would most likely lead to a moist floor but a leaky rain rail will cause water in the trunk and parcel shelf rust as well as the main floor.
Reflectix is a great heat barrier but a poor noise and moisture barrier. I lay sound damper to seal out moisture before any Reflectix.
Only in areas where it can be used as designed such as blocking heat from the tranny tunnel. It's worthless on the parcel shelf.
I use multiple layers of different materials for different functions. Here on the tranny tunnel, I used a base layer of Rattletrap (like Dynamat) to moisture proof the tunnel and stop resonation (sound damping) but then added two layers of duct insulation to address the primary problem, heat. Then one last layer of Reflectix for heat reduction and to stop the burning-calf syndrome. Now it gets barely warm to the touch, even on long drives plus the cabin stays cooler and the AC less overworked.
. I think it's just a combination of time and iron content, maybe throw in a humid environment a little trapped moisture. Any time you drill holes for roll bars and frame rails, you're stripping away the rust-prevention. A rubber gasket would be cool but might trap moisture since the two surfaces aren't perfectly flat.
I'd just use a lot of spray-on with newly drilled areas along with silicone.. That roll bar and tunnel are going to need some thorough rust removal and hopefully the tunnel metal is okay. The roll bar can just be cleaned and powder coated. I'm wondering if that whole area coud benefit from some layers of spray-on PlastiDip. I've always wanted to experiment with that stuff for rust proofing.