I agree with mcoomer. It's that simple. I live on the Oregon coast, and sand is ubiquitous. When I used to commute everyday, the bike got a weekly bath (a large soft bristle brush helps) and light lube.

Here's a link for more detailed instructions for a real thorough cleaning. You can decide for yourself what steps you want to follow: http://www.jimlangley.net/wrench/bikewash.htm

Matt