Hi, A lot of your questions would be answered if you went to a kit car show and had a poke around. Generally the quality of fibreglass varies depending on the skill of the workman doing the layup and the technique used. Some kits use the gelcoat (the outer bit that you see) as the finished layer, this then depends on the quality of the mould, materials and the above. Other kits supply the panels with a primer gelcoat so you can take it to a proper bodyshop and get it painted.
quick answers to your questions where not answered above:
1) most kits have a steel chassis so like a production car it depends on the stiffness of this and it depends on what suspension geo they have used.
2) as 1, most have a steel chassis. My car has steel plates fixed within the door to provide an amount of side impact protection.
3) the chassis may rot as with a production car but the panels will not.
Just be aware that all kits are not the same and inspect any purchase prior to handing over the cash
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