I prefer a teflon based lube. It is essentially dry and doesn't pick up dirt, even on gravel roads or crushed stone. I apply it once a month or whenever I ride in the wet. When I lube, one drop goes on each roller, then I run the chain while wiping it with a clean cloth until no more stuff comes off.
After every ride the chain gets wiped to where it is clean and dry to the touch. The chain has never been cleaned with a solvent, and after almost 7,000 miles, it still has more than half it's life left.