Agreed.
I would say most
serious rust comes from dirt/moisture trapped where it shouldn't be, not from exterior paint issues. (Assuming there's no physical damage to the finish that will let rust start in the first place).
I used to be fanatical about washing/waxing etc. Now I wash once a year whether it needs it or not.
If rust is your main concern, the more important thing for someone living in the rust belt is getting a periodic light oil type of spray inside & underneath the critical areas. That requires drilling holes (as Frank can attest) to get it inside the panels.