@Tes yeux noirs,
Ah, Pruitt Igo was a key disaster, famous when I was studying architercture and planning, probably still is.
Me, I'm not very germ phobic, but then I've a (knock on wood) pretty good immune system. Yes, I know a fair amount about microbiology. I'm probably more phobic about germ killing stuff used unwisely, than I am about a daily germ quotient from various surroundings.
Surroundings do differ from place to place, though. Depends.