Alright, a few of you tell me I need to do more to my car, and here is why I won't, currently. The rust I see seems to be pretty common on this model camry, and although mine isn't the worst I really don't want to pay someone to fix it for it to come back in a few months.
Here's the pictures I took today:

this is over the rear wheel passenger side, the worst spot. If you have the trunk open you can see light looking up through it.

This is some more just further along the wheel arch of the same corner.

Here is the back side of that same rusty area. I'm sure there is more rust if I tore all the carpet out, but I didn't feel like that today.
The rest is about the same as that, and at least one front fender needs to be replaced, if not both.
The rest of the pics are here:
http://photobucket.com/albums/y298/j...?sc=1&multi=19
What I really want ot know, is it worth trying to do this myself? I don't have the money really to pay someone to do it now, and I fear if I wait until I do (a few years down the road) it will be even worse. If it is worth trying to at least prep myself, I'm curious what sort of worth will be involved and a general procedure. Thanks.