1. I have never had one

2. Dont know if it would but I dont get sick without it so I dont see the value in it.

Both work and my Health Insurance will give me free ones and work makes me a higher risk person due to my work. Didnt get sick any other year so I dont see this one as being a problem.

Honestly I think a little exposure and letting your own imune system battle it is the best way to stay healthy, babying it is only going to cripple your system and increases the chance that you will get sick in the future. I get sick very little and dont honestly try very hard to avoid germs and the like. Though I wouldnt put myself in harms way to catch something, at the same time ensureing that my body is exposed and therefore capable of battling things itself is not only better for me it actually saves me money on lost income ( I dont get night differential for sick days) and expense of medicine.