But I guess you don't do much of either.
The thing is, like everyone of us, you'll die someday, you'll get sick, probably even very sick as you age. You can't cheat death, disease and suffering for ever. You can do the reasonable stuff to take care of you, avoiding really stupid stuff like DUI, hard drugs, cigarretes, excessive drinking, too much sugar, but you need to understand that this only goes so far, and that in average, it is not liking you are going to double your lifespan if you became completely anal about preventing risk. Sooner or later, no much how paranoid you are your cellular machinery will star failing, and no, you won't be able to upload your life to the cloud and live forever in the metaverse as much as your average incult billionaire tech bro believes.
And when this day comes, the question that really matters is not if you are going to die soon, but wether you have ever lived.
Now, you are free, and if you want to live in a super-afraid-karen modem the rest of your life, none of our business. But don't force an animal to share your miserable outlook of life. If you are so worried about the cat bringing those dangerous germs to your house, nobody is forcing you to have a cat.
Cats deposit the parasite in gardens, so your suggestion that this vector of infection is unrelated to roaming cats is misleading.
Keep your cat vaccines up-to-date, neuter them and have regular checkups. An indoor cat is a miserable life, intended to be an object of some over-controlling miserable person who is afraid of life and want everyone else to be as miserable, paranoid and afraid as them.