As long as air under pressure comes out nothing can go in. I normally recommend not to let your tank to go below 100 PSI just as a safety margin. With 100 PSI in the tank, the pressure inside the tank is higher than the pressure at any recreational diving depth. Therefore, no one can argue that water could have gotten in during the dive.
The most common way of getting moisture into the tank is during your gas fill. This is the only time when something is being pushed into the tank (by the filling gas pressure). If the connection is not totally dry, any water droplets in the valve or the filling hose will be pushed into the tank. A few water droplets is a lot more moisture than any respectable compressor air filter will allow to pass.
I have visual hundreds of tanks, and whenever I see any light surface rust, the pattern is always in narrow streaks, like from water droplets running down the inside.
I don’t care if you are filling in a cooling water tank or not, I always blow dry both sides of the connection (tank valve and filling hose) just before I connect them. Many of my steel tanks are over 40 years old and I intend to keep for another 30 years or more.
Wow...5 posts in the time that it took me to type that.