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Even if it's on the surface, it's corrosion, and therefore likely to reduce the life of the chain
No, because the exposed faces of the plates are not the wear surface which determines the service life of the chain. The primary determinant of chain life is wear at the interface between the pins and the inner plates (for bushingless chains) or the bushes.
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.