I have a front loading bobbin on both my Bernina and my longarm. On the Bernina I take off the plate and clean as you describe, and oil every 3 bobbins. My normal thread combo is Aurifil in the top and Bottom line in the bobbin.
The longarm I brush out the bobbin area and oil every bobbin change. I only remove the needle plate to brush out between projects. I have found I get 90% of the lint with the brush out and there are no feed dogs to be concerned with on the LA. I also usually quilt with poly top and bottom so don't get much lint. Definitely notice the difference when am working with a cotton thread, even really good cotton thread has more lint build up than poly which has very little. When I use a less expensive cotton like connecting threads or even YLI I get loads. Superior King Tut is not so bad.