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Really, you don't think surface rust matters? Even if it's on the surface, it's corrosion, and therefore likely to reduce the life of the chain, no?
If my chain gets very wet on a ride, I stick it in the pot. I've learned from mistakes last winter that led to a fully rusted chain that I threw away. I store my bikes in a cold garage, though. This may not be such an issue if you store your bike in your house and therefore any water is likely to evaporate.
I've just convinced myself that it isn't worth doing for MTB, at least not til it dries out in spring/summer
A couple of winter rides has absolutely fucked my waxed MTB chain, have gone back to wet lube for now mainly for the corrosion resistance