Just out of interest, does it say it shouldn't be used anywhere near bearings, especially non-sealed ones? Nowt worse than degreasing them!

I clean my chain with something like THIS, and clean my cassette and front chain rings with a toothbrush covered with GT85 or WD40.. I take the jockey wheels apart every 6 months or so and give them a scrub too...

And as for 3-in-1, only use it if you like collecting mud.

I use GT85 for all lubing - mainly cos it's £1.99 from a cheapo car parts shop (and at least £2.99 in bike shops!). Good lightweight silicone lube that doesn't pick up dirt..

I shall have to clean my MTB urgently, as I went down the downhill for next weeks MSS race (http://www.pearcecycles.co.uk/Racing/MSSRound5RiderInfo.doc) yesterday - very scary indeed with steep muddy switchbacks, and unexpected 10 foot vertical drops! My dogs managed it quicker than I could!