In PA, "off road" diesel means the price does not include road tax and the fuel has red dye so if you are running off-road fuel in an on-road vehicle and the DOT checks your tank, it tells them you are not paying road tax. I always buy my fuel from the largest retailer in the area so I figure it is fresh.
As far as water in the fuel, I can't answer that question. I assume not as there is no access to the tank where you could check......The first mechanic asked if I had added biocide in the fall, I did add that Starbrite stabil product, I have no history with it though, no idea how well it works. I thought it was an unusual thing not to have a water/fuel seperator but at the same time, the original owner ran it that way since 1985 so I figured it was OK.