Cleaning is NOT overrated if you want your gun to do it's job
The claim for WD-40 (not mine, by the way, jut what i've heard) is that it displaces water. Literally forces water out. So, if you carry IWB and sweat a lot, you may consider spraying the trigger group with some WD-40. Personally i use Rem-oil for the job, also for the rails, the barrel, and (in my Beretta) for the rotating lug and its track down the frame.
I know Rem-oil won't gunk up, but slowly evaporates. I also know it won't melt the hard rubber or plastic grip panels. WD-40 can do that to some plastics. Every month or so, even if i haven't been to the range, i break down my carry gun and lightly oil everything using a cotton patch sprayed with Rem-oil.
But i always clean a gun after its been fired. Unlike some of the other opinions, i personally will not leave a weapon dirty; I have been know to be up well past midnight cleaning guns after a day at the range, once the kids are in bed. A dirty weapon can fail in accuracy, in cycling, feeding, or in firing. Reliable performance when you need it, means keeping your weapons clean, IMHO.
"Laws that forbid the carrying of arms ... make things worse for the assaulted and better for the assailants ... for an unarmed man may be attacked with greater confidence than an armed man." - Thomas Jefferson