I've kept things really simple. I use TriFlo and Finish Line wet MTB lube in the small bottles. (TriFlo for summer bikes, the wet lube for winter bikes.) TriFlo has a plastic tube that works well for getting to derailleur pivots, etc. Yes, this costs more than larger containers but the annual cost is tiny. And oiling chains is slow; two drops per roller, but the mess stays quite manageable.