+1 on Fluid Film. I also live in upstate NY. The running gear attachment points, fasteners, hose clamps and even stainless exhaust, because of their extreme temperature changes and often low grade quality is normal, usually non structural rust. If you ignore the clamps, they might eventually fail, leaving leaks that could be damaging. Ask me how I know! You can replace clamps with stainless and wirebrush everything else. Then spray with black Rust Reformer or POR15.
Then, once a year, around October, have the underside sprayed with Fluid Film.
One of the advantages of these vehicles are the black plastic underbody covers used primarily for aerodynamics. They would seem to prevent alot of salt splash
to the undercarriage. I'm going to remove these panels before the Fluid Film, but I'll wait and see if I need to go through that much effort annually. Also, alot of experts will tell you to avoid rubberized undercoatings because they actually blister and trap moisture.
Stephen