I'm with those who think a few germs do no one any harm. After all, you're removing the 'good' bacteria as well, when washing. I think braving some germs helps build up one's immune system. That said, I do take all sensible precautions, e.g. with raw chicken / washing hands after going to the toilet etc
But let's face it, however OCD you are, if you ever eat out - from the sleaziest coffee bar to the very best restaurants or hotels, - you have absolutely no control over what has happened in the kitchen. Even where there are the most stringent hygiene rules you can't really be sure that your plate of food isn't the one that someone sneezed over when no one was looking, or worse!