Found a small rust hole on frame, what to do?

Well, it happened. I was poking around under my beloved '97 yesterday, and I found a small hole in the right frame rail under the passenger door. It's very minor, and I can't even fit my finger in it yet, but I'm sure it'll be worse by the time the Chicago winter is over. This really stinks. I've owned the truck for only 6 months, and there was only surface rust when I bought it. It passed the dealer's inspection just months ago. What should I do? Take it in now, or wait until winter is over so I can get a few more months of enjoyment out of it? Wait until the warranty is almost up in 2012, and risk getting less money for it? I'm at a crossroads here, guys!

 

If its small enough see if you can find someone to weld it to fill it in. Thats what I would do.

 

It's only going to get worse!

The longer you wait, the less it is worth on KBB.
You are only taking money out of your pocket by waiting.

 

sand it down, rustoleum it, and fiberglass bondo it

 

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Not safe!
Only good if trying to sell to a sucker but Toyota is willing to give 1.5X KBB to the owners.
DUMB not to take it.
Some states have inspections and a rusty frame with holes won't pass.

 

damn sorry for trying to help OP sucker a buyer, let it rust bro