I always have an old cloth with me, that I tie under my seat. I wipe my chain, chain rings and derailleur wheels with the dry cloth about every 3rd day, and after every rainy day. Then I put a few drops of oil. This takes about 5 minutes and the chain is always quite clean. The oil I use: Finish Line, cross country, wet lubricant. (black bottle with green cap) I don't like the dry version of it with the red cap, not even in dry conditions. It is important not to use too much, a bottle lasts me a year or more.