I have had a 1990 4Runner in Hawaii for 18 years. It's on the windward side of the Big Island, where the air is usually coming off the ocean (windward) and it rains about 150 inches per year. It has no fender rust whatsoever, pretty rare for this generation. Frame is the cleanest of any rig I've ever owned. For sure rust can be a problem, especially when living near the coast (my place is not) but it doesn't have to be. Note that the LX 470 apparently lives in central Maui, far from the beach and in a dry area.
Come to think of it, my mother has a 2004 Corolla that does live near the beach on Maui and it's definitely rust free. The paint is very faded though!