I keep my bikes clean most of the time but try not to be a freak about it. I wash them with a hose and soft soapy brush... then do a quick grease wipe with rubbing alchohol in a spray bottle. I have been known to leave it on top of the car when at the car wash (yeah I know, but I regularly repack my bb and head set each season).

Your bike will be fine in the cold garage... but you can bring it inside just to look at it... and remind you to ride.

I do blow the thing off with steamy hot water from a hose hooked to a utility sink inside, then dry it off outside and bring it in to put in the workstand. During the winter I use a little heavier lube and then change my chain when I get toward Spring. If you keep it as clean as possible (inside and out) I bet you'll be OK.

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Tom Demerly
The Tri Shop.com