There is no way that you can lube the chain without the insides becoming lubed. Capillary action will move the oil to every nook and cranny inside the chain within a few revolutions of the crank. There's a large prize of beer and stuff for someone who can prove otherwise. Apply within.
Something that really irks me about lubing advice is the use of the word "liberal" and then "wipe of excess". Sorry
@fossyant.
If you just put one truncated/stunted/abbreviated drop on each second roller you will have just enough oil to make the chain work perfectly and, you wont' have to do any wiping. Again, capillary action is so good that the unoiled rollers will be oiled within a few revs of the crank. Try it.