All of what the fellas do works fine.
It all depends on the type of metal, location and how rusty you want it to be. As for products, well there are many out there that are great for rusting. Again it all depends on the type of rust your going for. There are different techniques that you can use to achieve differant effects. Will it be a fresh burnt out tank, or one that has been sitting out for say 60 years.
To get the most realistic effect it's best to work with thin layers. This way you get texture and dimension tom the rust. Pigments can be used many ways and mixed with various products and techniques.
I have some SBS's on my site that might help. I also have some videos on youtube under mrscratchmod.. You can also go here where I have a couple of quick how to's, under the painting and tips categories.
http://modelerssocialclub.proboards.com/index.cgi
You can see what I mean about different types of rust and techniques on my site.
www.scratchmod.com
If there is anything specific you need help with just drop me an email.
cheers