If you know the reason .. it helps to dispel the fear ...

All engines/sumps when cold will hold some moisture from the atmosphere... this is worse on wet days than dry. When you run the engine it warms up and the moisture will change to water vapour but still be present. Water vapour will condense on any cold surface. The oil filler neck is plastic, and somewhat removed from the engine itself, it is therefore , relatively cold, and slow to heat up. Therefore the moisture condenses there and forms the "gunge". It also condenses in the breather system and will eventually block that as well.
A decent long blast of driving heats everything in the engine bay up far more than short runs, including the plastic filler neck. If you can get this nice and warm the condenstaion "gunge" will heat up and evaporate and be removed by the breather system .. IF it is clear ... this also helps keep the breather system clear as well.
If the breathers are blocked the moisture is not removed from the system and when the engine cools the moisture will again condense and remain in the sump.
So, regular oil changes remove any moisture trapped in the sump, clean breathers allow any excess moisture to be removed, decent runs heat up the extremities and reduce condensation ...
Obviously poor oil changes, blocked breathers and many short/cold runs just make things worse ..

HTH