I'd simply cover the boat when not using it- you'll have weathering of every
exposed surface otherwise.

It's plywood, but not treated or marine, just appears to be stock
yellowpine plywood with some grey paint like material - carpet is
glued on in the worse way. Appears to be holding up nicely though. I
do believe if I try to tear it out I will only limit that floor's life
span.

I do have an nice snap on cover. I developed a website for a marine
welder and he built me an awsome 2" aluminum pipe t-top/wave board
tower in exchange and even threw in a snap on web material cover .
Problem with the cover is he made it from scraps and water seeps in
through seems. With the cover on that sitting water never drys out and
the wind sheilds fog up ... caused my fuel gauge to stop working and
other problems. I've since applied silcon to the seems, but am waiting
for a good 6 hours of sun/heat to dry the boat out before I cover
it... Its also great boating these days so I've taken her out four
weekends in a row and often when I'm driving back from the marina all
hell breaks loose and the skys empty out on the boat before I can put
the cover on.

Thanks for info.