Dick, you have made a great point. Although insulation of some sort will help, the installation of cross ventilation is probably the "secret sauce". I recently spoke to the owner of a Catalina 27 which had been put up for the winter here in the NE. After only 5 months of storage with a shrink wrap cover, her boat was infested with mold and mildew. After looking at her boat, I noticed she had no ventilation save for a slot or two in the companionway boards!
We stored our previous boat, a Pearson Vanguard, for 20 winters in the same conditions with the same type of shrink-wrap cover. However, our boat NEVER had any mold or mildew. Yes, we were fastidious about cleaning, but the real difference was the ventilation we installed. This ventilation worked even during the winter storage months under the shrink-wrap..
On our WS42, Harmony, which we store here in the NE, we used a custom canvas cover which breathes. I also made sure that the boat had ventilation. Yes, the boat is still under construction, but we had no mold or mildew.
Now, the sweating bulwarks are still a challenge, but a little radiant barrier insulation coupled with good air circulation should minimize the challenge. We have seven 4 inch dorade cowl vents, but our plans are to install solar vents in the hatches to provide a pull-through air flow. We will keep Harmony on a mooring which does facilitate air flow from bow to stern.
As I mentioned earlier, we have not experienced mold or mildew on our prior boats even under heavy humidity. Our Pearson was not insulated, but had sufficient ventilation.
Doug