Just wiping off the cell phone screen won't kill the little beasties, but that is the least of my worries, and I'm not going to spray my phone with Lysol.
Exactly... I wipe off all that I can see every now and again... and I don't use my phone to wipe up spills nor drop it in the floor or toilet!
Meanwhile, practicing basic hygiene myself I'm about as "clean" as I can be without going through a sterilization process.
If you just trim your nails, wash your hands when you do really nasty things and clean the dirt off them... that's really all you need.
Even if you use anti-bacterial stuff... within seconds there is a new wave of germs and microscopic stuff back on you anyway!
The key isn't to OCD overkill scrub things until you are scrubbing skin and surface material away... but to try not to live in a cesspool and develop some general good habits.