Another source of contamination possible is the coolant being poured into the coolant reservoir (maybe added water from dirty sources?).. It happens? (O_o) That's why one suggestion in the above is servicing the radiator.
As for other sources of contamination would come from the seals around the water pump (or anywhere else for that matter, as long as it's related to the coolant system.) Granted, could go in through those areas as well.. though you'd have to ask where the oil comes from.. for that, I have no clear answers, as some of the engines I've seen seems to be wet with oil sometimes, from various sources. Depends on the amount of oil though..
But usually the one possible source that's most likely in your case if the above isn't true is a leaking gasket (lucky!) or a cracked sleeve (bad) BUT if it's negligible, probably came from other sources.. if it's quite evident, then the previous post applies.
Water droplets on the spark plug eh? Not sure how'd that happen, as combustion should have cleared that up the moment you started your engine? You mean taking them out after leaving them overnight/for a while is it? I can't imagine seeing plugs with water droplets after taking them out of a working engine that has been started.. Assuming that the water droplets come from the coolant, that's also another sign that vapour from the coolant is getting in the combustion chamber (assuming it doesn't come from somewhere else, like the manifold for example)
Cracked sleeves are very rare, but could happen if you hydro lock the engine. Means somehow you ingest water through the airfilter, it gets into the manifold, then the combustion chamber, then get's compressed, and something usually gives way.. if not the pistons, rod or gasket, the sleeves are probably the first to go.
Remember, I'm offering my opinion based on what I know.. A mechanic that at least opens up the head will know what's wrong for sure.