I'm not hysterical about germs, but I do use rubbing alcohol quite often. Toilet seats, switch plates, cellphones, remote controls, door phones (don't know what they're called), electrical appliances etc. etc. People usually seem to think that my place is messy, but not dirty as such.
On the other hand I'll eat raw meat and stuff like that (but never let anyone else eat something that might potentially upset their system) since I have the unshakeable belief that I won't get sick from it (and I never have). I don't eat or drink things I've left out; at one point I had a cup of coffee I didn't finish, went to school, got home, nuked it in the microwave, started drinking until a gigantic fried spider touched my lips (that incident put me off microwaves for a year or so).
I stopped eating things off the floor after one time I dropped a popcorn on it (right after vacuuming), but didn't realise I'd knocked over an ashtray...you tend to look at the things you eat after attempting to chew a cigarette butt, not just grasp things off the floor

.
And I think I wash my hands relatively frequently - at least I never seem to keep hand moisturizer on for long.
All in all, I don't think I have
natural inclination to fear germs or stuff like that, but experience has changed my perspective.