Scared to finger myself, I am afraid to get an infection down there

So I wanna start fingering myself to try some new masturbation techniques. But I'm kinda scared to. Like in really afraid to get an infection down there. I know to like wash hands before I go, but I feel like by the time to get comfortable, I might have germs on my hand all over again. I really want to know what's it's like though, just to try it. I normally just either rub my clit or hump my bear. What can I do to break this fear? Also, I get turned on in weird ways. Like reading things that relate to sex turn me on, but when I read sex stories, it doesn't do anything. Is that weird? I watch porn sometimes and it turns me on, but when I when I fantisize, it's always with some random girl, but I'm straight. I don't really have a crush on anybody, so I just think. When I imagine someone rubbing my clit, I always see female hands. I also want to have sex with a girl just to see what's it's like (I had a dream that Katy Perry was fingering me). Is that weird? Can you help me with these problems? Thanks in advanced!