A desktop PC power supply can be handy and good bang for the buck if you don't need adjustable (and you may have one laying around in an old computer)...
I don't lube my lugs for all the reasons mentioned above (plus, I swap wheels and rotate often enough I done see corrosion, even in the salty winter)
That being said, this might be an interesting read on the subject. In the couple times I convinced myself I needed it on a fastener and was...