After much research and reading the answers to my initial question here. I have decided that there are many ways to clean optics without damage to the optics. It basically gets down to what you are comfortable with and what gets your lens clean, wheither its with some decent liquid cleaner and lens tissues, damp lens tissues, microfiber cleaning cloths, lens pens, etc. Of the big 4 to whom I addressed the question of how and what to clean with, I only received answers from Swarovski and Zeiss.
My conclusions apply only to what I think after all this reading is that I will carry a lens pen in my birding bag and keep a pressurized can of air, a good brand of liquid cleaner and lens tissues at my desk for at home cleaning. For those occassions when they make get excessive salt or sand on them. The manufacturer of my primary bins (Swarovski) assures me that a gentle stream of water from a faucet should remove what doesn't come off with a decent breath of expelled air or a lens brush. All makers state that you should be careful to use a clean brush, clean air, clean lens pen (a half turn of the cap will refresh the pad), etc.
Most makers of modern optics (anything above dirt cheap, cheapies) applies a hard coating to the optics to protect them from frequent and reasonable cleaning (according to the manufacturers that responded).
If you ever get oil or a similar substance on whatever you use, discard and get new one or ones. They're pretty inexpensive to replace (keep a pair and a spare).
Jaeger near Chicago