The crap gets up where you won't see it and stays there. That's where the rot starts in, rust belt or not. Found this inside the rear framerails of my relatively rust free runner. There was some silty soil up around the crossmembers, packed on the spare wheel, really anywhere that could hold onto it.
This type of soil is not like a thick clay or even a mucky loamy soil, those would dry out and cake on. Silt will absorb the moisture out of the air and stay damp, starting to eat away at the metal over time.
Just because you aren't in the "rust belt" doesn't necessarily mean you don't have something to worry about.
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'97 3RZ 5 Speed "FrankenRunner" (
Build Thread) - Dormant
The "shitmobile" 500$ 3RZ Auto 4Runner - (
Saved from the Scrapyard: Resurrecting a 500$ 3rd Gen
02 Tacoma Double Cab, mid-travel, locked, armored, supercharged and riced. (Longbed and 5 speed in the works)