I clean and lube my chain regularly, and also have my LBS do a tune-up and thorough cleaning at least once a year - if I can break 3000 miles in a year I will have them do it when that happens. I am a bit unclear myself about lubing pivot points.

I check my tires and brakes carefully at every ride - I typically ride by myself and don't want to get stranded in the country with no cell phone service. I use Rock and Roll lube which does require more frequent application than some, but I like it.