Re: Head gasket or Condensation?
If you are planning on a long drive with that vehicle, make sure you take a few quarters of oil with you. I'm sure it is condensation. I'd almost say it's a very unhealthy use of this vehicle, because it never gets to heat up properly. Your engine gets polluted quite bad inside, if you don't take it out for longer trips. These engines need at least 10-15 miles to reach operating temperature (not only the coolant, but all parts and oil). Be aware that heating up boils out the condense and lowers the oil level. You won't find any water in your engine, because it is mixed up with the oil (mayonaise) turning you oil light yellow.
I don't think you have a bad head gasket. The use as you describe it, may eventually lead to a headgasket problem, because it only seals right with a properly heated enginge, but it might take years without a leak. It might lead to oil consumption because of bad lubrication, but that also takes it's time.
One extra risk: because of the condense your engine might get overfilled, causing blown out seals, so check your oil level regularly.