I just removed the PCB from a WD200EB-75CSF0 20GB drive. Tin plating on both the PCB contacts and the mating pin array going into the HDA assembly. No gold or silver.
However, there's one extra item that hasn't entered the discussion. There was a sheet of foam something between the PCB and the HDA. In this case, it was quite clean and dry, but it wouldn't take much for most any liquid to get absorbed by the foam and rot out the board. There was a cut-out hole around the connector area, so there was no common points of contact, but it was close enough that any volatiles would certainly enter the connector area.