I live on a dirt road so there are times when wet that the bike gets to much dirt on it to just wipe off with water or a cleaner.

I will gently hose down the bike while using a soft cloth to gently dislodge any debris that might scratch the paint. After it's rinsed and dried I use a microfiber cloth and a "between waxes" type cleaner to buff the finish and remove any water spots.

Aside from the occasional needed washing, I usually just use the between waxes, cleaner.