Given transmission rates and proximity, you're beyond wrong about the 1st one.
What is "virtually "assured"? I mean, if somebody told me I'm going to do something and that I would be "virtually assured" of living, that means there is a chance of death that didn't previously exist. That chance should give any right and rational mind at least a moments pause. Especially when it's a risk that can be nullified by simply avoiding that thing for a short amount of time. If not, another thing to consider -whom else she might infect as a potential asymptomatic carrier of the disease?
Attempting to limit the spread of this affliction isn't fear. Fear is when you do not think of a course of action and thus leads you to inaction. And bulk of the time, whether you believe it or not, inaction is what gets you killed.
edit: And being that I ran one of the larger gyms in the DC Metro area at one point, I'll be the first to tell you they're a bunch of god damn petri dishes. Even my gym, which I took pride on being pretty freaking clean.