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From what I can tell, the hole on top of the rocker panel is unusal. I believe it is caused by water getting in the trim fastener hole just below the spot. But I would expect that to have rusted downward, not upwards. Upon a second look at your pix, that hole looks like it started on the outside. I say this by the way the paint is rusted off way back from the hole. Is there a door drain above thiese spots? If so, what in the heck is going down inside the door? Some acid?
Is the door rubber holding water for a long period in these spots, allowing time to rust things? Why would the door rubber be doing that?
On the passenger side, it looks to be surface rust, coming from the outside-in. Maybe it is from some nick to the paint which escaped your eye and has now rusted. Or, as above.
The corner of the door is not too bad yet. My guess is that with age, repeated events of water sitting in the inside of the door eventually seem out of the dailing seam sealant and give this characteristic look.
I have the same things going on in both my 240's. I plan to grind out the seam sealer, sand the rust, prime with a rust encapsulating paint like Corroless (Eastwood Company) or POR-15, then re-seal and paint.
I would try sanding that minor rust on the one rocker panel.
The hole, I would cut our that in a square/rectangle to good metal alongside, then sheet metal over a patch of good metal using stainless screws availvble at any home improvement store. Also using a brush-on seam sealant under and over the edges of the patch.
By all means, though, figure out why the hole got there in the first place and correct it.
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"Can't understand why people abort Volvos, either"
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