I think that this could be a little OCD. I know for me, I excessively worry about certain things (certain numbers) that freak me out. I avoid them at all costs. Your obsessing about the germs is most likely causing the anxiety. I do this as well.
I also have a medication obsesstion where I fear contamination. Your not alone. I would discuss this with your T. Maybe they could shed some light for you.
I'm sorry I wasn't much help.

take care