Fear mongering is huge out there. We do all those things with or without phones. We’re constantly exposed to armies of bacteria... and we’re designed to deal with it just fine. It would be impossible to live on an organic, thriving world otherwise.
But I wash my hands throughout the day. Not phone do not get washed. Yes, we are exposed to bacteria all the time but there is a reason we wash our hands after certain activities... like going to bathroom.
I also go in and out of skilled nursing facilities where antibiotic resistant bacteria are rampant. I and not going to pretend that those bacteria are just friendly little buddies. I see how they turn out for people.