Only the people selling Lysol say that toilets are germ laden, and that is just hype to sell their stuff.
Toilet seats are cleaner than door knobs, grocery shopping carts, cell phones or keyboards.
Uh, that's because people clean toilet seats far, far, far more often than all of those other things. The most effective strategy of being antiseptic is regular cleaning--disturbing the surface so that bacteria can't gain purchase and colonize. You don't even need "lysol" regularly, as long as you just scrub the surface.
Let's perform a test: Clean your toilet seat and your phone. Do a swab test. Then, for the next two weeks, don't clean either. Make sure to splatter piss and shit around your seat as you normally would, handle your phone as you normally would (by the way, please don't piss and shit on your phone--that would ruin this test

), and then do another swab test.