Some of us bring sanitizing wipes and wipe down those steering wheels (and many other shared use stuff) before handling (or we wash old-fashion way or sanitize our hands right after handling.)

Yes, I'm a germaphobe and not embarrassed to admit it. I'm also the person who will never touch a public bathroom faucet handle unless I have a paper towel/tissue in hand to cover the handle; I do the same with the public bathroom door. I've seen way too many people use the bathroom and walk out (touching the door handle) without washing their hands. I've done this for as long as I can remember (as my mother taught me this when I was young). I don't think I've harmed my health in any way by avoiding needless exposure to additional germs/bacteria/viruses since I'm pretty healthy and rarely catch even a cold.
When we travel, the first thing I do when I get into the hotel/timeshare unit is to wipe down all handles, remotes, phones, etc., wash all dishes/cups, and remove/fold all comforters and put them away. Then my kids have free run of the place. Sure we pick up lots of germs elsewhere; it is not as if we live in a bubble. My boys went/go to daycare and elementary school; talk about germ-city. I figure why chance catching something unnecessarily while on vacation?
As for the bedspread, I know hotels, even Disney, does not wash those bedspreads between every guest. The odds are good that bodily fluids are located somewhere on those bedspreads. I'm just grossed out about the possibility of touching dried semen (among other things). So they go up in the closet somewhere as soon as possible. And yes, I do wash my hands right after handling them.