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Hate to say it but shoddy engineering, poor quality materials and pathetic dealer network (all showcased nicely in your recent experience) are the reasons I fear MG Rover will not be around in 2-3 years 
Having said that, my mum's MX5 was sitting in my garage over the winter and it got very mouldy inside and that was only for 5 months; I don't think there is much you can do to prevent it if you aren't using a soft top that much, and 5k miles in a year and a half isn't that much. The brakes were fine though and I'd expect a dealer to be a bit more understanding if they have any hope of getting any repeat business out of you!
Having said that, my mum's MX5 was sitting in my garage over the winter and it got very mouldy inside and that was only for 5 months; I don't think there is much you can do to prevent it if you aren't using a soft top that much, and 5k miles in a year and a half isn't that much. The brakes were fine though and I'd expect a dealer to be a bit more understanding if they have any hope of getting any repeat business out of you!