depends on alot of things...including conditions(weather and what the gun is exposed to), usage, season(alot of oil in the fridgid cold can be bad news) etc etc...

first thing i do when i buy a new(or used) firearm is run home and strip er down....factorys usually leaves alot of nasty grease(my 700 was surprisingly very clean...no gummy grease!) and other people before you may have NEVER checked...

i dont see removing the firing pin from the bolt affecting your dead on accuracy...id clean that firing pin as i felt needed...my 700 is a groundhog gun...its always sittin in the weeds, getting dusty, etc etc...for being a stationary firearm it gets pretty dirty and grimy...i will clean it a bit more often because i know its getting gummed up..oil is a dirt magnet..

when oiling it, i dont soak it...i make sure its well oiled...but i make sure its not overly oily. too much oil will only gum it up...i usually oil it, then whip the oil off. the metal will stay oily...thats usually enough...