I generally get grit and stuff on my bike frame, crud loves to collect on the brake calipers and the chain gets all sorts of nice grit on it that will wear it. So I hose off the bike, I wipe it off, I wipe off the rims, I take degreaser to the chain, rinse it, dry it and relube it. I generally clean my bike after every "rain". But what I mean by a rain is a bit like total immersion in a mud puddle.