I was riding a local paved trail at a small lake. There is construction around part of it. Besides some water seeping across the path there was a stretch about 40-50 feet along the path with a wet fine silt. It splashed all over the bike. I figure some must have got in the chain.
I hosed it off when I got home. Is that good enough? When it dries I will re-lube it.
I really don’t know all of the places it could get that can cause problems, if it is a problem.