Taycie sleeps in bed with me and has been since I brought her home. I wouldn't have it any other way. I love snuggling her and waking up to her sweet little puppy kisses.
As far as germs go, like others mentioned she gets a bath weekly, teeth are brushed daily. I wash her little face and feet. She eats good food and will always be up to date with vet vaccines, stool samples etc.
I also change my sheets weekly. I am not worried about it, I wouldn't have it any other way