I never ride in the rain and ride in generally clean circumstances. I'll still wipe my bike down with a rag and water after most every ride. About three times a year, I'll degrease all of the mechanicals with a little cup of mineral spirits and a piantbrush. I'll fill the shifters with WD40 a few times and let it drain out. I'll then wash the entire bike with a bucket of very diluted Simple Green and a garden hose. I'll then relube everything. I stay away from hubs and my bottom bracket with the hose. Note that I specifically bought a frame with really good drainage holes.

If I'm feeling saucy I might hit my brushed Ti frame with a little Pledge, but that's rare.