I really don't like things without legs - snakes, slow worms, even earthworms. My parents and brother no problem, so must be innate. I used to pick spiders up quite happily in front of my children until one bit me, fortunately when they weren't around. My sons not worried, but my daughter is terrified of spiders, as is her daughter, her son not bothered, but really scared of snakes, much worse than me. Seems rare to be scared of both. All love our cats, and DD has a loopy cocker spaniel.
But going back to fear of germs, we had a tragic episode at our neighbour's house, three year old found dead in bed due to an ECHO virus, and nine months later her second child also found dead after a nap. She was germ obsessed, house always reeked of bleach, and there was a tentative comment from the medics about them having had no chance to build immunity. 