Rust comes from the block. The radiator has no steel to rust.
A Super Flush treatment should clear out all the corrosion products, then fill it with the proper coolant mixture. While you are at it, you should replace the thermostat. I fail to make any connection between rusty, neglected coolant and a coolant leak (which you should investigate and fix).
The fan clutch kicks the fan on to high speed when the radiator isn't providing enough cooling. If you have no confidence that the one-wire coolant temp sender is giving an accurate reading on your gage, replace the sender. Dirt cheap part.
If you think the fan clutch is over-cooling the coolant (personally, I think your thermostat is stuck open from cruddy coolant), simply remove the fan and drive 45 mph, watching the gage. During that test, if you think it is getting TOO hot, run the heater full hot, High fan to cool it down. I doubt you'll need to do that unless you stop and idle after a speed run. If that test run (no fan) lets the gage temp rise to a normal and steady reading at steady speed, your fan clutch is bad and thermostat is good.
You need a new mechanic if he is discouraging a coolant flush and refill (with thermostat replacement recommended as a normal practice - $8 part).
Leaks don't cause rust, worn out corrosion inhibitors in the old coolant does.