Depends.
Any gun I'm carrying gets stripped, wiped down, and lubed about once every week or so.
For guns I've shot, I field strip, clean, spray out the action, lube, and reassemble them, but I don't detail them out to an unfired state. They're pretty clean, but may or may not have a bit of residue hidden in the action.
A couple of times a year, I break my carry gun(s) down and detail clean them. It helps to prevent build-up, but doesn't seem necessary for every time I shoot the gun a bit.
As a note, I have a Colt Woodsman from 1941 that I inherited from my grandfather in the mid-1980's. I didn't know how to disassemble it, but I sprayed it out with gunscrubber once in a while for good measure, and never worried about it too much. I do shoot it pretty regularly.
A year or so back, I finally found some instructions for disassembly, and took it apart. Imagine my surprise to find that it really wasn't necessary, since the inside was perfectly clean from using the Gunscrubber.
It's good stuff.
Daryl