I have a live and let live policy with dirt and germs. I don't worry too much about them, and it appears they don't worry too much about me.

However, if you really want to worry about germs I suggest you worry most about your shoes. Think of all the dirty nasty things you stepped in during the day, that public bathroom floor, the dog pee on the street, etc... Now, just how often to you wash you hands after touching your shoes, just how often do you scrub your shoes with bleach to kill off those nasties!!!