The idea that sv* germs are crawling on every surface is totally in your mind.
I blame the media for this one. I never used to worry about the whole germs floating in the air thing until the news started claiming that sv* are airborne and "linger on surfaces for WEEKS!" and all it takes is for one microscopic particulate of v* to land on surface and then five weeks later you touch it and then eat some potato chips and then you're doomed! But you're definitely right. Hygiene is your protection.