I’m a heady germophobe. I don’t allow outside pants in the bed. Absolutely no shoes in my house (monsters.) Wash my hands every time I get back home (how dirty is this steering wheel?)
I don't think that makes you a germaphobe, just normal. Especially after a pandemic. Here's one more: phones are pretty nasty if you don't wipe them down.
My family isn't medical, just lazy. If you never bring your shoes inside or your outside pants into the bed, then you don't have to vacuum/mop or wash bedsheets respectively as often.