None of the above, I wash it when it's dirty, especially after it's been driven in salt and the roads dry off. I try to spray the underside too.
I put a coat of wax on at least every spring and fall. At 155,000 miles my paint still looks very good, and it's not ever been garage kept. I do park in the shade whenever possible though, I think UV rays do the most damage short of physical harm.
98 Contour V6 MTX, T-Red, 150k mi.
Pic
SVT Dual Exhaust, KKM Intake, Donnely Mirror, Dension DMP3 Player w/80GB of MP3s, Wheelskin
95 F-150
91 Mustang GT
06 Honda Shadow Aero