I read in multiple places where guys say that the rubberized stuff is actually worse than nothing at all. Thought is that over time it develops "micro" cracks and then moisture, salt, etc eat away underneath the coating while on the outside it looks ok. Then when it finally does show itself, the damage is usually so severe that the rust has eaten most of the metal.
I (think) I'm just gonna maybe try to go without liners. I don't go off-roading and noise isn't too bad the way it is. Maybe if I stay on top of keeping that area clean from dirt, salt, etc I'll be ok for awhile?