1. yeah bike chain lube is better and not that expensive given how little you have to use. Everyone has their favorite brand but it doesn't really matter than much, just clean it and lube.

2. Everyone has mentioned cables, after 3 years the cable housings might need attention.

A quick check every ride (ideally, but realistically every few) can keep you on top of the maintenance. ABC - quick: air, brakes, cables/chain, quick releases. "Air" includes checking the tire for wear, bulges, thorns etc. Brakes: pads, adjustment, not rubbing during a free spin, and testing them when you first get on. Cables fraying at the clamps, corroded, not coming loose, excessive resistance in the housing. Chain, as you're doing is it nasty, makes noise, also after 1500-1800 miles you might check the chain 'stretch", 1/8 inch beyond a foot link-to-link means replace it. Quick releases on the wheels, ensure that they're tight and the wheel is straight.

The full quick check takes a minute realistically and gives me an idea of needed maintenance before I'm actually surprised by it. I don't do it religiously, sometimes just a quick tire check and glance at the brakes, but it's a good habit.