Salt Water gets my vote
Wow, the variety of experiences and replies is fascinating! I can understand that in a "hot" marina, or if prop shaft zincs aren't replaced, it would be understandable for the strut to experience electrolysis/corrosion. And in a normal marina with zincs on the prop shaft, the strut should be isolated by the cutless bearing and not require a zinc. So there should be a definitive scientific answer that under conditions a, b, c it will deteriorate, but under conditions e, f, g it will be fine without a strut zinc.
Can anyone provide such information?
Frank
Here's a possible explanation for the deterioration of an "isolated" strut. Since salt water is a pretty good conductor of electricity, I'd say there is no mystery as to how a boat floating in salt water can have a strut immersed in a flow of electrons caused by - whatever. Since the electrons do flow, and their flow is directional from the source outward to another conductor, you can get electrons flowing past and striking your strut from any direction or several directions at once. The electrons might be going outward from, or in towards, your own shaft and prop and their zincs.
Like any conductor, salt water is not a perfect conductor and the water has resistance to the flow of electrons. That sets up a difference in the voltage between two places in salt water. Indeed, the strut isn't a perfect conductor and it has resistance to electron flow. The electrons flowing to the strut and the difference in voltage (electrical potential) can probably cause an otherwise "isolated" strut to lose or contribute it's own electrons from the zinc in the alloy, for instance.
Many variables, yes, but salt water is why a metal part in the water cannot truly be isolated from electricity that is introduced to the water.
So, if your boat is in salt water I think the potential is there to have problems with the strut, perhaps only after many years, regardless of how well you maintain your shaft and prop zincs. I can't explain why a non-zinc'd strut on a boat might be just fine for many, many years except that the deterioration may be very slow or that the nearby metal parts are much more susceptible. But the environment the boat lives in changes from location to location, marina to marina and when your nearby marina neighbors come and go.