My observation is that car chassis these days are designed to drain water out. They provide drain points almost everywhere. The real issue is not with drains, its about residence time of water. If a certain area gets wet and then dries out soon, rusting doesnt occur because the base phospating prevents is. If your car stands still a lot, you must get rust proofing done because there is no movement, especially in the monsoon, and the car will retains moisture. Also, even if you car just stands a lot, you must drive it around once every couple of days
It must be understood that this rust protection is sacrificial. Basically, any type of rust proofing, whether galvanising or phospating, basically coats one layer of metal thats more electronegative than the stock base. For example, zinc is more electronegative (i.e. reactive with the elements) than iron, so it reacts and wears off, preventing the iron from rusting. However, its not fool proof. The first surface of iron that gets exposed through a scratch or even around screw holes will start to rust. To really have rust prevention, you must repeat the galvanising such as every year or so. Anti rust coatings work differently- they prevent the elements from reaching the surface. However, like all coatings, antirust coatings have their life span. Thats why manufacturers offer fixed period warranties. Its meant for you to repeat the coating before the life span of the coat is exceeded.
Believe me, not getting rust proofing done is a crime! My first car was a preowned WagonR that I bought without fully knowing the car or checking it out. The car had allegedly done 36k km in 6 years. It was full of rust, so much so that the metal holding the rear axle was so rotten, the mechanic folded it by hand. But it was a very nice car otherwise. The original owner never had rust proofing done
Ameyam