WD40 is not a lube; doesn't even try to claim to be and will strip off any lube that is on your chain. loosens seized stuff at low speed but provides no high speed lubrication and the links on a chain whip round each other at a fair lick. WD40 attracts grit and grind away your drivetrain. It is the rivets wearing that causes the chain to stretch, so to say that a poor lube doesn't have time to do any harm before the chain is stretched is missing the point. It won't stretch as fast with a decent lube.
IMO GT85 works, is dry enough not to hold onto grit, but simply does not resist being washed off. To rely on GT85 means constant re-application in the damp season (ie all the time).
I use a sticky lube when I'm feeling rich and 3-in-one the other 99% of the time.
WD40 IS good for cleaning the chain however, and dissolving old grease inside hubs etc.
Makes me laugh on reviews and forums when people complain how hard it is to remove "the sticky stuff that my new chain came covered in" - probably the only time those chains will actually be lubricated is while they're still in the packet
...and the three-in-one flung onto my rim provides a nice bit of brake squeal that is better than having a bell...the stuff on the tyre is not as useful....