Re: Sax polishing cloths
There are polishing cloths made for lacquered horns. You local music store should carry them or you can check out wwbw. You don't want to use metal polishing cloths on lacquer directly.
Buy a silk pull-through swab for your mpc, neck, and body when you are finished playing for that session. All the chamois ones I've seen get ripped too easily. When pulling the silk through the mpc, don't drag it along the facing. Silk is tough stuff and will wear away at the rails over time.
The pad savers you jam down the body are ok to use, but only after using the pull through. If you use the pad saver (monster Q-Tip) without swabbing, then, yes, it is bad as you are just trapping the moisture and turning your horn into a Petri dish.
Get the H.W. brand padsaver - not the LaVoz. the HW fibers are looser and are friendlier to the horn and body octave pip.