Frames rust internally. Surface rust isn't as big of a deal compared to areas where debris, salt, mud and water can sit, like inside the frame Outside of that, POR15 is good stuff, but so is paint. Ensuring you keep the body and chassis clean, and well painted will be your best bet.
Those of us who deal with salting have to constantly ensure the vehicle is washed, and I personally clean and paint the frame every fall in preparation for winter.
I use flat black 99 cent cheapo spray cans and coat it on thick after the chassis is all cleaned up. Once a year.
Stay away from rubberizing the frame, bad idea.
A gallon of POR15 and plugging up all frame holes with metal tape will go a long way, and cheaply. Just paint each piece of metal tape when you paint the chassis, you wont even see it.