Like everything else in life, using these anti-microbials is a trade-off. You're balancing your desire to have no germs in your vicinity with allowing your immune system to handle in it the way it has become accustomed to (evolved for) for millions of years. When infuenza (such as the current H1N1) is rampant, then it may be a good idea to use the stuff after you touch anything in a public area; one of the experts I heard suggested that a superb way to spread H1N1 among the world population would be to infect the finger print scanners at the airports for international flights.
So, my suggestion would be to use the stuff if you are out and about during flu season, particularly if you have a habit (as I do) of rubbing your eyes. When home, or when diseases aren't threatening, don't use it so much.
One of the effects of killing off benign and neutral bacteria, both internally and externally, is to open up environmental niches for viruses, fungi and yeast. This results, in babies, in thrush, a fungal mouth infection often seen while on an antibiotics course. And then, there is the now-familiar "survival of the fittest" effect, where the only bacteria that live through a use of an antibiotic (internal or external) is the bacteria you least want to encourage, and you've just eliminated all of its competition. You fight that attack through either not using an antibiotic, or using the antibiotic until chances are you've killed 100% of the bacteria exposed to it.
As with any antibiotic, use it when the risk is high, and otherwise don't.