Hmm.. My experience, If you have a good EMU, the EMU server also reads the Mul files, and will comunicate with the client as to what is 'walkable' and not. I suppose that there could be some loop holes to that though, I had never thought too seriously about that.
I will test some things like that. Using my other PC to add in some higher altitude grass over maybe a small River, and see what hapens. Will try a couple different EMU's as well, If i get the time
Although, If a player is going to be persistant enough to do these things, I really doubt he/she would go through the trouble of trying to edit a map0.mul file, when he could use a 'God Client' more than likely with more luck, Also depending on the EMU.
Basicly, there is no true way to stop these things from happening, and if there was a way, do you really think we would be able to make a custom map at all?

OSI would have the files sealed up like a safe.