B.B.
I agree with you and I'm pretty relaxed about the germ thing with my two boys. If we didn't play with other kids whenever someone had a cold we'd be alone a good 6 months out of the year. I think if the kids feel up to playing and are suffering from a cold or whatever I'm fine with my kids being around them.
I would feel differently about something like pinkeye, but for most things, I wish more people (with healthy kids) would chill about the germs.