What a great line you highlighted - it's a splendid example of Deep POV (point of view) - the reader is so deep inside the character's head, we don't need "she thought" and other tags.
And oh, to have one's neurotic concerns dismissed so lightly by the 'ableists," a term new to me.
I'm not OCD about germs - quite the opposite - and I should acquire a fear of spiders and snakes, lest I get attacked by one while blithely standing there, gazing at dangerous creatures with friendly regard.