At our house, we wipe down the chain with a terry shop towel after every outdoor ride, and "floss" the cogs with a terry shop washcloth(thinner edge to get between cogs). then there is less lube on the outside of the chain to attract road grime and grit, as well as less of the dirt.You only need lube on the inside of the little chain joints. I lube with dumonde tech, the light formula, but I live in coastal southern California. I think your lube choice depends on local weather(wet vs dry) and road conditions. Some of my friends swear by Triflow. And I don't think you'd need much cleaning on the trainer either, but it can't hurt to wipe the chain off from time to time, and lube when it gets too dry. Tokie