It would appear most UTI-causing bacteria normally inhabit the gastrointestinal tract, which are commensal normally there; they are just in the wrong place when they are in your bladder or urinary tract. Everybody co-infects each other with these bacteria all the time every time they use a toilet. We are evolved to deal with it without incident normally.The time to be more proactive in ones hygiene is probably when you have noticeable pathogenic (disease-causing) bacteria, like when you have food poisoning diarrhoea etc, which can be deposited on seats handles etc. They don't last long outside the body because they are adapted to oxygen-poor environments.
If you still feel angst, contact your doctor or an advice line that specialises in it. An STI one would be worth consulting too as they will see UTI's routinely.