For what it's worth, in Wisconsin I had a car with equally bad rockers on my 300SD and the floors were totally solid. I think it is because the rubber coating around the jackpoints peels/chips away and the metal corrodes easily when left open to the elements. The floor pans stay coated pretty well, from my experience anyway.

In Wisconsin people would say to me that my car looked pretty nice for being 25 years old. I was conscious of the rust, but no one else really cared. There were MUCH worse looking cars on the road

If you don't want to fix it, I would just drive it until it becomes unsafe and enjoy it for the time being.

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