I would agree with FBinNY but I'm more concerned with the dirt and sand ruining my mechanical parts. I rode in the rain yesterday, and there was sand and dirt everywhere on my bike.
When I got home, I hosed it down to remove loose dirt and sand. Then using an old soft cloth, I gave it a bath with car soap, rinsing again with the hose. I wiped the bike as dry as I could with a soft dry towel. Then I degreased the chain and derailer with commercial bicycle degreaser. I dried that as much as possible with paper towels and let it sit in the garage to air dry. Today I will lube the chain with commercial bike lube and go over the paint job with Bike Lust.
I do a thorough job like that about once a month.