According to my manual, you should clean and lube your chain every 500 mi(805 km). Since I ride 70 mi(113 km) a day, I do mine every weekend. If I fail to do so, I start to see rust within a day or two and the chain starts to make more noise. I have not had to adjust the chain tension yet, so I know it is not wearing badly. We have not had much rain where I live and yet it will still rust within that time. The OEM chain may just be high maintance. I called to price a replacement and for a few more $ I can get a coated chain that would resist rusting longer. As for the brake disk, my bike doesn't sit still long enough to rust. I've had new rotors on a car rust in a couple of days before. I would say if the environment where you live is wet and/or dirty, you may have to service the chain more often. TX.