I don't see how water itself would cause hydrolysis. Regardless of what it (naphtha) does, it still leaves spots and streaks. I've been trying really hard to rid my filter of water spots. I've tried three different cleaners and naphtha. It's really ticking me off. Will a lens pen get rid of that or does it just work on oils?
What I've tried is Dynax brand, Carrot brand, and Leland Power Clean. I've also tried lens tissues and Q-tips. Then as a last resort, breath and a microfibre cloth. It always ends up with streaks. I'm not over-saturating my tissues or Q-tips either. I've tried them from damp to hardly wetter than dust. I'm thinking of just getting another one and never touching it. I mean, I didn't TRY to touch this one, but apparently I did.