...all I can tell you is I carried a KBar for 4 years in a very rainy part of Germany (Fulda), in a unit that averaged 6 months a year in the treeline. That was 15 years ago. Last month, I "re-found" my KBar after 5 years in the attic (Texas heat and humidity). No problems - resharpened it and put it back on duty in my truck. I've never been particularly careful with my working knives - I didn't even know what a "tuff cloth" was until I joined this forum. At most, I've put a little WD40 on. Parkerized 1095 will do just fine in the elements - I can remember times in Germany when I(or my KBar) wasn't dry for an entire week. Never anything more than a rust spot, and then only where the parkerizing had worn off.
Heck, I've had many more rust problems with my 440C "stainless" dive knives! (yes, the 1095 knives have seen the ocean too).
...for a working knife, and for the money - you'd have a hard time beating a KBar (or Camillus - they make the same thing)