I really at heart don't want to be fanatical, but I don't. If I am bringing my own food, which I do wherever I go, I put a paper plate in with my meal. plastic silverware too. I know it can seem extreme, but it puts me at ease. and I feel if I am at ease, over stressing about unknown factors, then it's all good. no one anywhere has ever said a word.
if I am at someone's house and there was something that seemed completely safe, i probably would use a napkin over a plate. but that's just me.