I pretty much follow Kerry's approach. I clean my bike pretty often and always after a rainy, muddy or dusty ride. Just doing that gives me a good idea of any impending problems. Then in the winter when the weather is too crummy to ride, I will break the bike down. Good way to fight off winter boredom.I do a total overhaul of the bike every winter. Everything that comes apart is taken apart, cleaned, and lubed. I cannot remember the last time ANYTHING came loose during the season. For me that's 9-10K miles between overhauls. I've never felt the need to go around checking bolts every 3-6 weeks.