my name says it all... this is my first attempt at cleaning my ccd. actually, it was an investigation sort of. (ok, i'm a scardy-cat.) i set my shutter speed to bulb then locked up the mirror in the up position. next, i removed the lens. i took one look inside the d100 and spied what i think is the ccd chip. directly behind the mirror, on the back wall of the camera body i saw... a putty tat (he heh). is that the chip? ok all you first timers out there laughing, wait til it's time for you to clean your dustbunny gathering chip-a-thingy and then we'll see who gets the last laugh.
The longer one waits before cleaning, the more the particles are stuck to the CCD. Then scrubbing becomes necessary. To think of that guy in England who made the adapter to vacuum it clean, that'd only work (perhaps) if it was done every few days, before the particles become stuck to the surface. A good time to have Nikon clean it would be when the camera is sent for this new firmware upgrade.
I don't have a digi-SLR, but someone made a comment once that somehow stuck in my head. I thought it would be relative here.
When cleaning the CCD, use an external power supply (preferable plugged into a UPS). If for some unexpected reason (Murphy' s law) the batteries give out mid procedure - BAM! - the mirror comes down on your cleaning tool and probably knocks your mirror out of alignment.