I got a trolley mate from Target for $30. It has a little pocket thingo I used to shove my list in and a ring for a few toys to clip on. it's squishy enough to stop the bars digging in. I was more worried about DD getting a chipped tooth or hurting her mouth from someone hitting us or me bumping into a shelf rather then germs

DD doesn't like the trolley now but I put the trolley mate in her pram so it's a bit cooler in summer and I can whip it out to wash it if she smears stuff