I had the same problem..
The rust you may see on those spots is not rust from the frame but surface rust. The frame is hot dipped...the black coating IS NOT for rust protection but for sound deadening only.
I climbed under and all the frame coating is not paint. If you touch it, you can actually "smear" it...like rubber. The problem is once you have a spot started, it tends to continue from that point and get worse.
You can use any type frame paint. My dealer said he'd touch it up...but it'll just spread.
Not saying it's right...but I doubt the frame will rust out.
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