Doug,
I get some corrosion in the bilge where it never gets dry but it looks like mini popcorn stuck to the hull.
Perhaps the black crunchy stuff is over spray from the "pitch" that was sprayed at the factory as a noise/moisture barrier. The engine room most likely is coated with that stuff and then sprayed silver.
Another thing could be that the shower sump has been leaking over the years and Lord knows what has been growing as a result of that nasty water leaking in the bilge.
As for the forward bilge pump running at such a frequency I'd check all through hull fittings like you already did and then inspect the fresh water supply. I'm assuming you have a 41' by your handle. I don't know the routing of pluming on the 41' but I know there is a head and shower up front. Perhaps a fitting is leaking. Do you use the shore water hookup? If so you can turn that off and drain the system and see if the bilge pump still cycles. If your using the water tank you should hear the fresh water pump cycle if there is a leak in the system.
I would have to guess if you had a corrosion problem bad enough to rot through the hull and cause that much water to flow in, you would be seeing sever bubbling/blistering etc all around the boat.
What does your CAPAC meter show??
I'd inspect both ends of shore cord to make sure there is no damage to the plugs and then start inspecting your immediate dock neighbors.
Check for reverse polarity in shore power.
Check for voltage on the earth ground. If there is enough voltage on the earth ground your galvanic isolator will begin to buzz/hum.
I guess ultimately could have the boat pulled and inspect the underside.
-Karl
1986, 32' Sedan, twin 360ci, 275hp Chrysler's w/ K&N flame arrestors