John_V 

No, I don't think you are worrying too much about your bike. The better you take care of it, the longer it will last. Living in Florida means rain on a daily basis during the summer months. The only things I really worry about are the steel parts of the bike, like the bolts and the handlebar on my hybrid. Along with the bike, those get wiped down with some extra care after each rain. I also degrease the drivetrain and re-lube it if it's muddy. Although I can't avoid it, I really hate a lot of grit in my drivetrain.