Have a 15 year old Kona Explosif. Steel Mtb that has had a hard life. All that frame gets is a wash down after a ride- Then take off the wheels- cover the rubber bits and saddle and spray the whole bike with a water displavement oil. (WD40 or the like) Let it drain for a couple of hours or days and then wipe it down with cloth. I also spray the WD into the frame and there is no rust of any note on that frame and never felt it necessary to use a touch up on the bare metal.