I'm on my 5th 4runner, and I've never had any rust issues with my vehicles. Granted, I live in Texas, rarely leave the pavement, never drive it thru water, etc and we don't get a lot of snow so theres not much salt , etc on the roads here.
I'll be checking mine after reading this just out of paranoia but I've never had any rust issues at all. (knock on wood)
Yeah, my next door neighbor in Florida (a vacation home) has a mid-90's Celica that doesn't have a spec of rust on it anywhere. That's not surprising since it has never seen road salt and is rarely even driven in the rain. Bring that car up to NY and drive it through a few winters and lets see what happens!