Respectfully:
Yea, the bed is scuffed and then coated with 80 to 120 mils of product that provides pretty darn good protection. Your paint is about 3 mils, maybe.
"
You may end up seeing some surface rust under the liner but the bed will never completely rust through." No sir, I totally disagree. I've personally seen it rusted ALL the way through. Truck beds have a galvanized LAYER which can easily be worn through.
BTW, I have one brand new Toyota Tundra (short bed, no track rail system) drop in liner that we took out this last weekend for $50, come and get it!
Choose the right spray-on and it can look 100 times nicer than any drop-in. I've never seen a drop in that looks like this:
