Since I don't ride during the winter (I only run between Holloween and Easter) while the bike is setting in the dinning room pissing my wife off I usually take everything apart and clean it, inspect it, replace it, etc. The wheels get trued and the tires get replaced. Works for me. I can do it at my leisure, look for good deals on line, etc. Never had an equipment failure during riding season.
BTW, I only put in about 2500 miles a year on the bike. I log about 1500 miles running, and another 100 miles swiming instead.