Covering it in paint only stops you from seeing it. It's happening as you sleep underneath the rust you can see where the real metal still exists whether its painted or not. But if it is just surface rust it won't get that much worse in the next year and a half and that's about all the you could expect to get out of covering it without prepping. Don't fall a rust inhibitor if you plan on restoring it later. (Unless your paying someone else to strip it) Drive it till you can do it right.
