Seems a bit 'glass half empty' to be jumping to head gasket problems... common failure mode for the m104 is external oil leaks rather than the gasket fire ring(s) letting go allowing combustion gases to escape into the cooling system
The header tank overflow is supposed to feed into a 'recovery tank' hidden in the innerwing (scroll down to 20-4540)
20 Cooling System - M104
In theory any coolant puked out of the header tank should be drawn back in as the system cools down. Obviously if the overflow/recovery tank or the hose feeding it is split this won't happen. A dodgy rad cap (or leak somewhere else) would also stop this happening by preventing the system from building pressure as the coolant warms up and expands. There's a vacuum valve in the rad cap (red blob in the pic)
View attachment 59454
which'd stop coolant being syphoned back into the header tank if it's blocked/mullered etc. Green arrow is pointing at the seal for the pressure stage and obviously there's another seal for the top of the filler neck
If a genuine cap is going rusty within 2 years it suggests that the coolant was well past it's useful life before further diluting it? As said i wouldn't worry too much about that in the short term (freezing temps are months away, pressure is more responisble for raising the boiling point that antifreeze etc) but i'd get the coolant changed as soon as you're back if it doesn't need draining to fix the problem anyway