@Rustynj I too live in Jersey. Im sure you're aware of how municipalities layer their streets with chemicals. That stuff gets caught in crevices and inside our frames. If its not cleaned off and protected, you'll be doing a frame swap or body work in very little time. A garage is also a frame saver. But Im extreme, though. I dont drive my TJ in the winter.
You must be vigil with rust on a TJ. Regular cleaning, retouching and a fall coating of Fluid Film or CRC corrosion inhibitor on and inside your frame is imperative to keep rust at bay. I use the following three products: Fluid Film, WD-40 (for quick touch ups) and CRC corrosion inhibitor:
https://www.amazon.com/dp/B0000AXYA0/?tag=wranglerorg-20 Search them on YouTube, and you'll see that users have had great success with FF (or other lanolin products) and CRC. Ive even coated lightly rusted metals with either FF or the CRC and have seen the rust suspended. Meaning it remains but doesn't continue to grow or spred.
My process:
When I spot any kind of corrosion starting to show on my frame, I hit it with a rust dissolver (Rustoleum brand) which is basically Phosphoric Acid in gel form. There's quit a few brands with that ingredient that work similarly or possibly better. I like the gel because it can be applied from all angles and it tends to "stick" or hold to locations where applied. Then I wipe it down and apply either FF or CRC. Painting anything, I don't do until the summer. Just because temperatures are ideal and when its not humid, you yield better results. The final step is always either FF or CRC.