Personally, I think you're being a little obsessive. I do a complete and thorough cleaning of the chain, sprockets, and chainring every week, followed by an application of something like T-9. That's it for the week. If the bike's really dirty, I'll wash it off with the hose (if it's above freezing), but I don't shine it up or anything.
I park inside at work and outside at home. When it's outside, I take the pannier covers I got from MEC and cover my Brooks saddle with them.