I rarely remove mine, maybe once every two years. It always looks pretty clean inside, I probably shoot it 6-8 times a year around 15-20 shots each time.
I think the most common neglected spot having to do with the lock is the inside of the hammer cup.
I was a bit intimidated the first time I pulled mine apart, but I had to because it had broken the end of the sear off. Just make sure to match the flat head slot with a properly sized driver. It shouldn't be tightened down very much anyway, I take mine to barely snug and then back it off a half turn.
When I clean it I just use warm water and a toothbrush. I get it good and dry and then apply a drop of Hoppes gun oil to a q-tip and hit the wear points. Don't get too much on it, it will just collect crud if there's too much.