I really like minwax wipe on polyurethane, or spray polyurethane. I don't think any of the oil finishes compare in toughness. You can always wax it if you really need more moisture protection. It's idiot-proof to apply, it's relatively inexpensive, it's readily available, and all you need is a rag.
If I need to grain fill I will use superglue, then poly over that.
I guess it's harder to repair perfectly if you chipped or scratched it, but it's so much more resistant to scratching and cracking, that I don't sweat it. A light sand with steel wool, wipe with acetone, one coat of poly .... That will fix a lot of your minor damage sufficiently and takes minimal time.