water leak usually means it's from the glass. but to know whats going on for sure means pulling the headliner down and testing with a hose....fyi that is something i would rather pay somebody to look at. headliners SUCK

as for the rubbing noise, driveability is hard to diagnose without sounds and feel. i would see if a local mechanic could check it out. if it was actually rubbing on something might be one of your fender liners is hanging low but wouldn't know till i saw it.

hope this helps