Again where are you getting this data, please state grades of steel and stainless for your examples. Look at the yeald of them both. If anything stainless steel is more likely to bend instead of snap than steel.
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Sounds a bit fiddly, side of a plastic oil tin, any thin plastic or hard rubber sheet will do.
Not just to do with electrical conductivity, although it may well prevent an electrical charge flowing through the bolt, and back through the dissimilar metal plates!
Other thing it will prevent is steel components rusting together.
Also, the body roar to which box bodied landies are prone is made up of hundreds of resonances in metal gaps and voids throughout the vehicle, which amplify the mechanical noise. The more of the sheet metal to sheet metal interfaces are filled with gasket material or mastic, the less noisy the vehicle will be.
I'll just carry on doing what I know works without issue, and that's using stainless steel fasteners and copper slip. It's not for Marine, its for land use, which is an order of magnitude different.