I tried mulch a couple years ago around the tomaters, didn't halt the soil fungus I always get.
Now I just try to grow them tall very quickly while getting rid of the lower stems.
Took quite a while to see spots last year. Gotta decent crop before the foliage went to carp.
Peppers do fine getting splashed with soil in my garden, it's a small garden, easy to keep up on watering and weeding.