I don't see how your usual routine isolates bacteria; you have been spreading harmful "germs" for years and suffered no ill-effects, have you? What you are doing reading articles on it is reinforcing your belief or fears - confirmation bias. You can find anything on the internet to support ANY belief. The important part of that search is finding real evidence in your searches to support it that it's actually harmful.
Your suspicions are, on the whole, correct. It is marketing to make people feel that they really need xyz product because otherwise they will smell/die/be uncool etc.
You would do yourself a great favour by calling 'germs' instead microbes or bacteria. The word germs has wholly negative and misinformed connotations when, actually, alot of them already exist within and on our bodies already. We couldn't live without many of them and we are, each of us, a microbial ecosystem. Microbes only become harmful when there are too many of a certain kind in the wrong place and the usual harmless bacteria that inhabit there are in insufficient numbers to keep them at bay. Good personal eating and hygiene habits are about looking after the good bacteria (commensal bacteria) which act as a barrier to the harmful ones by preventing them populating their preferred parts of the body.