Welcome to the off road world, this is all part of maintenance when you enter water and mud. The chances are your starter was due for an overhaul anyway.What engine has your cruiser got ?, mine has the petrol 3F and I have only had the starter out of mine twice in eleven years, the first time was for a set of contacts and clean up and the second was just a kerosene overhaul, and before anyone says that you never use it so why would it pack up

, the worst thing out for a 4WD is to have it sitting around. As for the other electrics, with mine anyway, they don't seem to give to much trouble. Some owners who do a lot of river and mud driving have a spare starter and alternator and swap them over once a year or six months and give the removed ones a clean out and may be new bearings and brushes ready for next time. Unless you have pocket fulls of money and you want to go 4WDing you need to learn how to do your own maintenance. As for sealing up electrics, most electrics need to breathe.
GET DIRTY,
FITZY.