I do a similar routine as others. Check it over, disassemble if possible, clean it as best I can either way, oil and carry/use.
Although the showering with a knife was tongue-in-cheek, that won't hurt most steels.
I carry a pocket knife almost constantly. I always have. Even now when using a pool. I have swim trunks with full closure velcro pockets. I clip or drop my pocket knife in, and then swim away. There have been times when at a water park the knife has been soaked and resoaked for hours. At the worst, I have had minor speckled surface rust. When I get back to my room, I rinse it in fresh water, and dry it as best I can. Later with time permitting, I do a much better maintenance. I did the same when my life revolved around ocean or monsoon conditions.
Before people ask why carry a knife while at a public pool, well, because if something happens, a knife is needed now. There may not be time to run to a bag, or to get it from a room/car/changing area. Knives I carry are tools. I picked them as tools. Now, agreed non-synthetic handles/carbon steel blades may not last long (I have an Opinel 8 that disagrees), ultimately everything I have carried still does what it was designed to do. Cut.