I'm one who likes to save myself work!
So - I've not read this thread before, because I've never had to wash anything I've stitched!
I always make sure I wash my hands before I start, and I never eat while stitching.
Also, I find using a roll frame means less handling of the fabric; plus, if you protect the part of the fabric that rests against your body while you stitch (I use a bit of clingfilm), there is no 'rub' damage, and a white cloth or apron over your clothes also helps keep your work clean.
With hoops, or with very small stuff that doesn't need any sort of frame, but which involve more handling of the fabric, the same principles apply, only more so - wash hands before stitching, use a white protective cloth over your clothes, and don't eat!