I saw Jenny McCarthy on Oprah talking about how she thinks that the innoculations for Autsim is how her son developed Autism and it scared the living crap out of me ! I don't know hun, she talked about the "mummy instinct" too and wished she listened to hers. I guess you have to weigh up the pro's and con's and the chances and then really make a decision on what you feel is the best option for your child?
On the germ-aphobe thing, don't stress The kids across the road live in a pretty dirty house and are always looking scruffy with runny noses and they are NEVER sick ! Whereas my SIL is like you and her daughter is constantly sick so I think there is something in that research that Trillian mentioned that rings true.

Good Luck Hun