Lube has nothing to do with whether or not your chain snaps. Snappages happen on the plates, which aren't what wear when you are riding in crud.
wrong. Another armchair expert, no doubt! If you clean and lube your chain regularly it's less likely to snap. fact.
when you're riding in crud and you get a bad shift yes your plate may bend and break - it's happened to me. BUT on a microscopic scale cleaning/lubing regularly will mean less wear overall and the strength of your chain is less likely to be compromised. less wear on the rollers = less play between linkages = less chance of chain twisting during a bad shift = less likely to break and more likely to shift.
i'm not saying that lubing your chain is the be-all-and-end-all, but i think a well looked after chain certainly helps.
on that note i use RnR extreme. if i think it's time for a degrease and re-lube i'll dissolve all the crap by soaking it in white spirit, let it dry, soak it in light oil (i use sewing machine oil) at room temperature, wipe off all the excess and then proceed with RnR extreme. That'll see me through for a couple of months of really bad weather.