now that you mention it, my reload's buckle is rusty on the inside. i might just pull the strap off, sand the rust down and apply primer/etc. to it. might also be a good time to try out those vinegar solutions. baggy's feeling not so fresh, and has a stink.
i've had mine for a little over a year, and ride with it all the time. i only missed a couple of days in the winter.