Tell us how you really feel about germs!
I think I would describe myself as somewhat careful. I don't use toilet seat covers. I wash my hands after using public restrooms, but I'm never patient enough to wait for hot water, so I use cold. I sometimes don't wash at home unless I'm headning into the kitchen to prepare food. I wash most of my laundry in cool or warm water. I usually refrigerate food as soon as feasible, but I have no problem eating leftovers that have been sitting in the fridge for 10 days. I don't mind sharing food/drink with friends as long as they're not obviously ill, but if I'm dining with people I don't know well, I'll try to be more "polite" mainly to avoid offending them in case they're germophobes. If a piece of food falls on the floor and I can easily wipe any lint off, I just eat it. Hell, I live with three cats who use the catbox and then jump on the bed! I can't afford to be paranoid about germs.
On the flip side, I do seem to take longer to wash and dry my hands than most other women I see. I almost always wash my hands well with hot water and soap immediately before handling food. And during cold/flu season, I've been known to walk around with a can of Lysol, disinfecting handles, knobs, telephones, and the like.
Did you read about that study where they concluded some asthma may be triggered by living TOO clean?