I put mudguards back on the Trek the other day. I'll put them on the other road bike in the next week or two probably. I don't have a "Winter" bike but I do prepare them for poor weather.
I tend to disagree on that point. In winter when the roads are being salted heavily and I'm commuting then the wear rate on my commuter is much higher than the summer. I still keep it as clean as I can (hose it down when necessary etc) but the bad road conditions simply raise the wear rate of chains in particular. If I could clean the bike properly then it might mitigate that somewhat, but it's not practical to give a bike a thorough wash at the end of each day let alone each way fo the commute. One particularly bad January I wore through a chain in less than a month.
I'm a very heavy, powerful rider, and chains last me about 1200-1500 miles regardless of the bike or riding conditions. My all year commuter was no different.
No one is suggesting daily cleaning, although a quick wipe down after a wet ride does no harm. I used to keep the commuter in the porch so jt was ready to go and had the benefit of being able to lean it against the radiator, so would be dry very quickly.
My cleaning regime was weekly. Well, an 8 day cycle because of my shift pattern at the time. Very thorough vlean with car shampoo using a 40mm paint brush (the metal bit wrapped in insulating tape to prevent scratching anything) to get the dirt out of nooks and crannies, thorough clean of the drivetrain, light re lube, a quick spray of ACF50 on plated or polished parts or anything that looked like it could one day corrode. Took about 20-25 minutes every 8th day, and was also an ideal opportunity to safety check everything.
I can only speak as I find, but my experience was of:
Zero corrosion.
Zero dulling of shiny parts or paint.
Zero accelerated wear - in mileage terms - of any component.
And every spring it'd get a thorpugh service, bearings cleaned and repacked, new cables where appropriate. Its about 90 minutes (2 cups of tea) of work, and all my bikes in regular use receive that anyway. I ise regular litium or moly grease, dependent on the component, and suffered no undue issues with contamination or the grease washing out.
Only one thought occurs. My commuter has proper mudguards, well chosen and carefully fitted, with a mudflap on the front that descends to a couple of inches above the road surface. As a result the absolute minimum of sheet and crude ended up where it ought not to have been. Race blades and the like really are pretty hopeless in comoarison, so if you want a touch of the old Drago commuting magic you need a bike that can accommodate proper guards, and you then want a proper mudflap.