Thank you! It took me decades before I figured out that it doesn't matter how soft the cloth is if all you're doing in scrubbing abrasive dust or dirt around on the lens with it. It isn't always possible, but I try to rinse first to get as much particulate matter off before wiping.

Can you explain why cold water? I've always done it, but only because I once made the mistake of buying photoreactive lenses (and, you know, most of us just have to live with a decision like that for a while), and hot water made them go dark. I didn't think tap water temps would be enough to mechanically stress the material; is the plastic so soft that it could be damaged, or is there another reason?