hmmmmm
Nothing is ever going to be germ free, none of those machines will cause anyone any harm, but it's not a nice thought.
As long as there is no mould or build up or unpleasant smell, I don't see that there's a problem.
Running an empty cycle every 2-3 washes? Thats a bit extreme. Using chlorine bleach? Completely unecessary!
As long as an oxi-bleach is being used on white and light coloured clothes, as well as towels, and towels and sheets are washed at 60c (140F), there should be no mould, build up or bad smells on the clothes or the machine, therefore as far as I am concearned the washer is clean.
This is what I have done all my life, and never had any of the above problems, have never put chlorine or disinfectant into my machine, have never used temps higher than 60c (140F) for anything other than the sheer novelty value (it does not get clothes any cleaner from my experience) have never run an empty "cleaning" wash, have always washed underwear with other clothes of similar colour and have never used one of these "washing machine cleaners" appearing on the market now.
I have always used softner in almost every wash, but I guess in a machine where the softner dispenser is flushed with water it causes much less problems, I clean the dispenser maybe once every 3 months and don't get build up in it. It is however important to let the machine dry when not in use, by leaving the door ajar.
Bearing in mind my Grandfather's machine is 17 years old and has been in constant use, yet remains continuously spotless inside and out, and the clothes always come out fresh and clean, this obviously works.
Now before the top loader fanatics start ranting about how "disgusting" it is to use a front loader, and how modern ones are even more "disgusting", I can only say that even the most water efficient machines I have used have never had any of the problems mentioned above, providing the above methods are undertaken, to me it never requires thought, it's just common sense. The clothes also come spotless and fresh every time, with or without scented detergents or softners and with or without chlorine bleach, disinfectants, tumble drying, drying in the sun, ironing or any other way you can suggest of reducing bacteria numbers.
Anyone who has smells, mould or build up's in their machine, or suffers from unfresh laundry quite obviously has no idea how to use a washing machine properly, or proper laundry techniques.
Matt