never felt the need to wipe .. they behave just occasionally because I can't stand spots on the nib
as for refiling and cleaning .. like you said there are many methods .. and it depends on what kind of system the pen you use has and how easy is to disassemble it. Also do you clean it to store it .. to swap ink .. or just refiling with same ink as before ..
For cartridge:
Dissemble to remove empty cartridge. Run bottom section of pen under running tap water. Fill bottom section with some water and gently blow the water thro the nib (others use syringe or bulb, so I may get flamed for this ). Gently wipe with tissue paper (or just hold the tissue paper against the nib to soak up any residual water/ink solution). Air dry.
For converter/plunger:
Same as above for the bottom section of pen. For the converter, I just suck in water, discard and repeat (2~3 times). Air dry once.
My go to inks are Pelikan Brilliant Black and Pelikan Blue-Black. I plan on getting Diamine Sargasso Sea. I received a sample of this. It is a great blue, and it doesn't creep on my nibs.