Hi, I have just read this thread and have has similar experience on my 38. Not much to add. I had fresh water leaks, at different times, from both forward and aft showers, that lay in the frames which slowly made its way to the bilges, by the bolts.
However, I would make a suggestion. While all the floors are up and the area open, photograph all keel bolts. Try and get several in a shot for reference, from different angles to allow for parallax, or shoot them in a movie. In future years, if there are any concerns ref. drying out, shipyard accidents or groundings you can come back to these to re assure yourself that they are unchanged. Your Bavaria is incredibly well built and tough, but it always feels good to be sure, and to be sure your keel bolts are as they were when you bought the boat. I know the surveyors report may be adequate evidence, but I would do this anyway. If you do the movie with audio, you could also tap each one with a light hammer so the sound, indicating tightness, is also recorded with a comment as to date and whether afloat or ashore. Hope this helps.