I'm a hoverer too, and much prefer them to be on the low side, as I'm only 5ft. I definitely can't hover over a higher disability one.
If I absolutely HAVE to sit on a public loo, I clean the seat with loo paper squirted with soap, then with water, then dry; I just can't bear the thought of sitting on them uncleaned. I did the same for my children too once they got too heavy to be held above them.
40 odd years ago I lived for a while in the Middle East, and hated the hole in the floor ones. I had to spend time in hospital a couple of times, and dreaded having to have to use them; they always seemed to be swimming with water, and it was hard to keep my dressing gown out of it. Most of the other ladies were wearing abayas; not sure how they managed!
I'm sure I've exaggerated it in my mind, but I still often dream about needing a loo, and searching through endless areas of filthy holes in the floor trying to find somewhere acceptable. Often these dreams end in me sitting on the loo after I've found it, only to see that the walls all around me are made of glass!
Apologies if I've put anyone off their tea!