I take a simple approach for winter, too much faff or thinking about it and I will procrastinate until spring 🙂 A hardtail with mudguards front and back, lights, waterproof socks, trousers and however many layers I need to be warm.
When I get to the car, outer layer of clothes in a builders trug and straight home, shoes in airing cupboard to dry and me straight into the shower. If the outer layer of clothes are caked then I’ll rinse them off otherwise I put the lot in the wash. Bike gets a wash every few weeks when its really bad or when the chain needs attention. Other than that it gets the worst of the mud bashed off and put away.
I always feel better having been out, even if it is filthy. The only exception is claggy mud that stops the wheels from turning, if it is like that I would rather stay at home in front of the fire and get fat.