Regarding to "You have to live with it" maybe unpleasant to heard the 1st few times even but is really true and you have to come to term with it. So long that particle does not coz a spot on your image. We are living in a dusty area so you can avoid it so have to live with it.
If you really can live with you, money and time will be spend going down to CSC and not shooting.
I believe a lot of us live with a lot more particle and small hairline in our VF and focusing screen. The only time I will get it clean only if it affect my focus point.