When I say greasy crap I mean small specks that look like dust until you blow them then they spread out in a line over the sensor. My guess is it is greasy bits of dust, or tiny airborne specks of water along with contaminants. I do change lenses quicky, but I do it with the body facing upwards, so maybe I should start doing it the other way and see if that helps - my guess is that will just transfer the problem to the rear element of the lens, but I suppose that's no worse than having it on the sensor, and actually a bit easier to get to.
In any case, although I tend to be a little anal about crap on the sensor, I try to restrain the urge to clean until the dust is visible in varied scenes at usual shooting apertures. I've only been wet cleaning a little while, but I'd guess I end up doing it about once a month. A static charge brush & blower takes care of minor dust in the meantime.