Doesn't make any sense. There are thousands of Tacomas in Florida and other rainy states. I've never heard of a single "rusty water" problem before. It's impossible for "a couple of gallons" of water to collect beneath the bed.
I know my T100, which has a plastic bedliner, will collect quite a bit of water when it rains, due to the 'Toyota Rake'. When I pull away it spills out between the tailgate and the bed, which could look like it was coming from under the bed.
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