I'm on both sides of the spectrum.
When I'm in public, I'm OCD about restrooms. I am no germaphobe, but I am a little weirded out by public potty germs. I don't touch any part of the toilet. I long ago perfected the fine art of hovering. I tear off about 6 inches of toilet paper and just toss it before tearing off what I actually use--someone else's dirty hands probably touched it. If the paper towel dispenser at the sink requires me to touch it to dispense my paper, I do it before I start washing my hands, so I don't have to touch the dispenser after I've washed. I use a paper towel to open the restroom door when I'm finished. I also use anti-bacterial wipes for shopping carts before I touch them and before put my son in the seat.
At home? I wash before prepping food--most of the time. I wash after handling eggs (we're vegetarian, so no raw meat is ever in our kitchen). I wash after #2s (mine or baby's), but rarely #1s. I darn sure am not washing after a midnight pee. Whatevah.
I wash if I've come in from taking care of the animals (we have horses, goats, and chickens--hands get plenty dirty). Other than that, I only wash if my hands have otherwise gotten yucky (with some sort of food or dirt or whatever).
But overall, we're pretty relaxed about hand washing at home. We wash after the obvious yucky stuff. I will wash more frequently if anyone is sick--which, honestly, is very, very rarely. We rarely get colds and even more rarely get stomach bugs. I do not use anything anti-bacterial to clean with inside my home, except very rarely I will use a bleach solution for something that has come in contact with something especially high on the "ick" scale (chicken poo or especially gross dog messes). I strongly believe that antibacterials and disinfectants are dangerous in the long run. Bacteria are rapidly evolving critters--we are only developing supergerms by continuing to use disinfectants unnecessarily. Now, I believe that there is a place for disinfectants, of course. In hospitals, or in homes if someone in the household is immunocomprised, for example. I just think that, in most cases, using them repeatedly throughout the day and for every surface in your home isn't solving anything. If anything, it's creating bigger problems.