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Yeah you're probably onto something. On my brother's truck we had to run weed trimmer line down his sunroof drains and we found the clog. The clog was in the lower 8" of the drain tube on the driver side front. After we cleared that all his problems went away.
As far as the cloth on the sunroof I'd buy a product that kills mildew and treat it/wash it right there on the truck. Then sun dry it all day. Sunlight will kill the growth.
Seems like you have found your problem but I will share my problem with you just in case as I have also had a slight musty smell from time to time without being able to locate a leak.
I was driving the other day In a very heavy downpour when a drip of water hits my hand resting on the center console. I look up and in the over head console you can see the slightest bit of water coming in. My initial thought it perhaps one of my cab lights cracked and was letting in water. All the lights where fine but after looking at them and doing some reading it's not to uncommon for the for the gasket material to break down over time and allow water in especially the rubber washer around the T-20 screw that secures the light in place. I ordered new gaskets and new rubber washers. After taking a couple apart the foam gaskets under the light looked to be in pretty good condition still but the rubber washers where all cracked or split. I just did the fix so I'm hoping that this is the issue and I won't see anymore water inside.
Check the sunroof drains by dripping water into them. They're typically in the corners. By a can of air toi blow them out. You can blow them off if use a compressor. If the water is on the passenger side, there's also an evaporator drain on the passenger side of the firewall. It might be a PITA to get to. Good luck.
Rezvani's Latest Post-Apocalytic Monster Is a Ford F-150 Raptor Underneath
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