Correct me if I'm wrong, but I think film SLRs have brushes to remove dirt from the film when you wind it on to the next shot, so as long as the lens is clean it's not such an issue. I think.
Anyway I agree... It is possible to get too obsessed about these things. And you can remove a fair amout of crud in photoshop if you have to.
Edit - that said, however, I have just ordered some Eclipse fluid and Digi-Pads from Warehouse Express
