Hello, I ride a cyclocross to work all year except when winter hits. I've been afraid of ruining my components in the salt. Is this true or do some of you ride your good bike year round?

Also, I am thinking of buying a flea market old bianchi folding bike, 20" tires. My reasoning is that its 20 bucks, low so stable, has fenders and a rack already for my stuff.

I commute about 12 miles round trip. Only a few hills, nothing to hard. Advice please?