Yoder if the furnace isn't being used then the there is no moisture being released by the burning of hydrocarbons, it's just a simple part of the equation, you burn wood or anything like that and the moisture has to go somewhere.
It's scientific fact that moisture will gather on steel that's cooler than 136 degrees, wille even pored some links from the candaian govt I beleive about to never slow your boiler to see temps that low..
The steel can only get as hot as the water on the other side of it, I can hold a cutting torch on a paper cup and can't burn the cup until the water jumps out of the cup.
So if you have return water coming back at 110-120 or whatever where that water encounters the firebox it makes a cool spot where moisture can gather.
Central and Empyre aren't making folks install boiler protection because they want to, it's because it's very important, they don't want to have to add cost to there products but by doing so, there protecting the boiler.
All boilers have Primary and secondary loops no matter if it's wood, gas, oil, whatever, ite been done that way for decades, the owb industry is just now catching up to that however.