From Roger's article: "We know breathing on the lens and using the corner of your T-shirt usually works."
Honestly, I do this more often than I care to admit and I've never had a problem. My normal "careful" method is virtually the same, blow off dust and breath vapor on the lens and use a microfiber cloth. If there is a really bad or oily spot, I use lens cleaning fluid with a microfiber cloth. I avoid anything very complicated and I avoid like alcohol or ammonia because I don't want to damage any of the coatings on the filter/lens.
The big key is to avoid rubbing any grit, dirt or sand around on the glass, possibly causing micro scratches!
But in general, I see no reason to go OCD nuts on how you clean lenses. They don't get THAT dirty anyway and I use mine is all kinds of environments. The worst issues are usually finger smudges with dirty fingers that contain oils.
This is also why I buy upper mid-range quality lens filters, they have harder glass and better coatings. That way, I don't have to clean the lens front element very often, if ever.