I just can't imagine it being as simple as the strings protecting from dirt in the sense that if I threw a handful of dirt at the guitar, that part would get less dirty. but, when you think about which part of the pickguard would get lots of sweat, hand juice, etc. . . . it would be everything minus that under the strings. (assuming you kept the guitar stringed up.) Also, most folks don't exactly clean/dust that part of the pickguard every day, so mebe dust and (yuck) skin flakes somewhat protect that part just a slight bit more over a really long period of time (from the sun?) IDK. Just some guesses on how it might actually happen. Obviously if they do it to relics, there must be some vintage instruments that this happened to. and if it happened, there must be an explanation for how it happened.