Most people don't even know they have them, much less how they got there. I don't think there is anyway, probably, to avoid them completely. Everytime you shake hands, touch a public bathroom door or grocery cart, sometimes when you just inhale air, you can pick up bugs.
It is good to be thinking of ways to eliminate contact with them as much as possible, but since I think we can never avoid them altogether it seems the best thing is just to kill them and do ongoing maintenance for any "newcomers". They are so insidious. That's how they survive.