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THE PROBLEM IS a sheetmetal bracket panel that is welded on to give rigidity to the upper part of the wheel opening - it runs very close to the outer skin of the bedside & traps mud & moisture. You can feel this if you reach up there. On trucks with the plastic wheel liners, you have to remove the liners to access this inner panel & once you reach up there & feel it, you'll understand the problem. )

I just bought a 06-07 rust free bed to go on my 05. no rust on outside look inside you can see rust in wheelwell area (bed is upside down on trailer easyto see) I drilled spotwelds took out outer fenderwell. lots of rust in there cleaned it coated it with KBS coatings (POR 15). would have rust holes in a year if I hadn't done this.
thinking abought spraying used oil everywhere I can once or twice a year