As @Seek said at the beginning of this Q (and I think it bears repeating ) We are born with a natural barrier protecting us from germs. It’s called our SKIN.
How are these mysterious germs going to get inside you to cause any damage if they can’t get through your skin?
And haven’t you seem any of the feature stories done on the comparison between germs found in other common places we touch everyday? Let me break the suspense here: after taking swabs and culturing them and counting both the numbers and varieties of germs, the cleanest always came out as toilet seats. The germ counts through the roof were found on 1.) cell phones
2.) computer keyboards
3.) Kitchen sponge
4.) money
And this included findings of fecal coliform as well as several types of Strep.
And these are all things we touch with our hands (which, unless washed immediately, go into our mouths, touching eyes etc.) You know, the susceptible areas with sensitive mucus membrane tissue providing a handy place for stray bacteria to attach.
I’m honestly far less worried about what my butt cheeks (covered by unbroken skin) come into contact with because it’s a long way from there to my mouth or eyes.
I always always wash my hands first thing upon coming home and especially after shopping where I’m handling money. A whole lot more germs likely there than on any toilet seats I’ve encountered.