I rustproof my Mazda annually and do touchups just before winter in the wheel wells and other areas just for that reason.
So far, no rust and I hope it stays that way.
Now for carguy's problem.
I really do not think he wants to start tearing into metal at this point, especially since the car is well taken care of (I wouldn't either). You have to deal with a mismatched paint, body parts removal and fitment issues etc.
Too much hassle for something that is in a very early stage of development and is not an eye sore yet.
Here is what I did on my 95 Accord (try finding one without rust in the wheel wells) and it works. Better yet I got a chance to compare this to an identical car (my father had a 95 Accord at the time too), so I know my (I should say my uncle’s) method works.
Little back story:
I had a 95 Accord that I purchased early in 2004, my dad had his Accord since 2000 at the time. Of course the car had the rear wheel wells all rusted through, so did my dad's car. So, early summer we decided to fix the rust on both cars. We cut out the rusted sheet metal and patched it with aluminum sheet metal (I know it was a horrible choice), put the bondo and paint. Cars were 9 years old, so we were not looking at a superb job anyway, but the result were not bad at all.
My uncle was helping us as well and he recommended using a rustproofing oil in a spray can to treat the repaired areas. I bought a can of the stuff and was treading the area every few months and gave it an extra dose just before winter, my dad declared that it was too much hassle and that the patch would hold anyway, so he did nothing at all beyond the repair.
Guess who had to do the repair all over again next summer? While my car only had a small blister or two in the repaired area, my dad's car had rust going through the paint.
I kept up with the rustproofing of that area and I still had the same minor bubbling in 2006 when my car got totaled, my dad in the mean time had to fix the rust twice (he’s stubborn
).
I do the same with my Mazda, on top of annual rust treatments that cover the whole car.
I recommend Rust Check green can, or Fluid Film, forget motor oil, it won't stay on the metal. Just spray the inner area, behind the plastic liner twice a year and the rust should not progress any further.