I would second most of the above, though I have no experience with belt drive. My commutes are mainly on streets, so more salt than the bike paths, and a chain per season seems about right; never wiping it down but lubing often. I also keep the bike in as cold an environment as possible, i.e. outside; I figure that the chemical reactions of rusting is slower in colder temps, and I never have to take a wet bike back out into freezing temperatures. That combined with the generous oiling means that I can't recall ever losing any shifting. Studs are an annoyance 95% (or more) of the time (noisy), but a lifesaver the rest, so they are worth it. The bike will be a wreck, though. I did one season on a bike I cared about and the work to get it decent again in the spring made me go to Dreambikes and get a $100 beater, which has served me well for several years despite considering it disposable.