I was reading a technical article about pressure treating processes this week, I know, most people prefer spy novels as light reading, I'm a little different, I'm afraid useful information is my cup of tea.
So the point being, for rot you have to have four things, rot fungi (it's always present), oxygen, food, and moisture above a certain percent in the wood.
All rot prevention revolves around removing at least one of those items.
Pressure treatment actually invades the cellulose of the soft wood (the treatment doesn't penetrate the heart wood usually, it's too dense) and poisons the cellulose as a food supply to the rot fungus, it's not poisonous to us.
The interesting take away from that, at least for me, is treated boards are much better protected than post material like 4x4, 6x6 and so forth because they contain the more vulnerable heart wood. The boards are much more likely to contain only soft outer wood that took the treatment well.
Ok, the work around to that vulnerability, is picking posts that are still encapsulated in the outer soft wood, which took the treatment well, and actually protects the mostly untreated heart wood. Meaning, examine post wood you buy, look at the ends, is the heart wood still fully surrounded by the soft wood, which protects the heart wood.
You're obviously not pressure treating, you've got to have a good field treatment, so your strategy is depriving the always present fungi of oxygen, and also keeping the moisture content as low as possible in the wood.
I love rock around posts, but if there's no ground water present around the post, but are the voids around rock (the voids make rock great for draining off water, like in a French drain) allowing in oxygen? Terrific but probably impractical solution is a post hole full of gravel, that daylights on a down side slope.
On the other hand, a post hole that's always submerged in ground water, will not allow oxygen, so no rotting.
That being said, our rivers in Virginia are full of hundred year old pilings that have zero rot below the low tide mark, but are completely rotted off above that, because at that point, oxygen and high moisture allowed the rot.
The solution in your case, in my opinion, is exactly what Cavemanrich pointed out (way more succinctly than me), coat the post up several inches above the ground surface.
Your observation that most rot occurs at ground level is spot on, it's just like the pilings in the river, the ground level is many times damper and wetter than a post up in the air. The ground and the first several inches of the top soil are likely always damp, and any rain, snow or dew, constantly wets it.
In coating the post, don't forget the bottom. Coating up past the ground, will keep the moisture content down, and discourage rot. Will the rocks in the backfill puncture the coating, I don't know. Would clay backfill deprive the post of oxygen better, I don't know.
You're only concerned it sounds like, with a few posts, so if preserving their integrity for a long time is important, it's not to hard to do these extra measures.
One last thing, the article mentioned, which I had never heard before, that there's common surface treatments at places like Home Depot, that you're actually supposed to apply to the cut ends of pressure treated wood when you cut it, I never knew that.
I always over do everything, I can't help it, so you'd see me out there, first applying that surface treatment from Home Depot, then slathering on Cavemanrich's roofing tar! A hundred years after I'm dead, somebody will walk up to the post and say "after all this time, how the hell is this thing still in such good shape, that's great, but in the meantime, I'm still dead, so why I get carried away with all this stuff is beyond me!
Here's a great easy to read step-by-step that answers all your questions, that I just stumbled on.
http://homeguides.sfgate.com/protect-wooden-fence-posts-rotting-47852.html
Everything else below is in regard to the technical article.
The article specifically mentions the brush on chemicals of copper naphenate or compounds containing tributyltinoxide or polyphase as an effective surface treatment in the field for do it yourselfers like us.
Apparently those chemicals are commonly available, hopefully at Home Depot, but ordering off the web I'm sure. Probably a brand name product, where you'd have to check its ingredient list.
To quote the article:
"Unfortunately, treated wood must often be cut or bored after treatment. In order to protect the untreated wood, a grease containing 10% penta is often applied. The grease provides a protective long lasting coating that can be slowly absorbed into the wood. Grease treatments are also used as remedial measures when untreated wood is placed in areas of high decay hazard. Brush-on solutions of penta or creosote are also used by those possessing a license to apply pesticides. However, do-it-yourselfers are encouraged to treat freshly cut preservative treated wood with copper naphenate or compounds containing tributyltinoxide or polyphase."
Here's a link to the entire article:
https://www.extension.umn.edu/garden/yard-garden/landscaping/selecting-preservative-treated-wood/
While all this is dry reading, let's face it, we go to a lot of time and effort to build stuff. I want every advantage I can find when it comes to avoiding rot, so all my hard work isn't wasted. So all this stuff interests me a great deal!