I ride a steel steed, and while I generally don't ride in the worst weather, due to only having 25mm non-studded tires, it does get grimy from roads after the snow is gone...

I try to keep the chain well lived and do in garage wipe-downs when needed, and in my area (Midwest), even in winter we have a few days each month with temps up in the 50's....I pick one of those days to take the bike outside and do a proper full wash with the hose, soap, degreaser, etc....wipe it as dry as I can, lube, and let the sun finish the drying.

I keep the bike in the attached garage, so it gets cold, but never freezes in there.