In the first case, I agree it is a bit of a dirt trap. I think the answer is probably regular cleaning - and it is not hard to remove the inner guard to do this. Also paint the area heavily, possibly with bituminous paint to keep water and mud from contacting the metal.
In the second case, I would use thin self adhesive neoprene foam (Clark Rubber have it) as it conforms to the irregularities and prevents any moisture getting into the joint. Make sure both surfaces are well painted as an additional protection.
John


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