While we're talking about the sources of the troubles, look only to the fact that
J/Boats did not isolate anything at any penetrations. CAULK ?? was the order of the day. Then there were places in the hull where they ran wire and used screws to the hull for wire tie downs, Yes below the waterline inside the lower parts of the hull. I don't doubt that some wet areas came from inside.
Now that she's all rebuilt, I'm really looking forward to sailing my brand new boat.