How can we have a microbiome if in fact our skin is antimicrobial?
Just teasing you a little. Its a great discussion ~ while I agree that bacteria is constantly coming in contact with all the surfaces in our home (including our aquarium), I don't know that I would agree that the bacteria that normally resides in our home is going to survive in the aquarium. Just as freshwater and saltwater bacteria are different species, so are the water-based bacteria seperate species from the terrestrial bacterias which typically reside in our home.
I think the main point, which is what we already agreed on, is that it is far more commonly the things we come in contact with such as household cleaners that are of far greater concern, rather than the bacteria which is normally found in the home or on our skin. Bacteria for the most part is not something we need to be concerned about getting into the tank.
So to refocus back on the OP's original question, depending on what you've been doing during your day, you may or may not need to wash/rinse prior to getting in your aquarium.
I personally am a lot less concerned about reaching into my freshwater aquariums on a regular basis than I am my saltwater tanks, but even then I don't always wash down prior to getting in the tank. In some cases however, I was very thoroughly before getting in the tank. Detergents, household cleaners, perfumes, colongue, sunscreens and even antipersperents are all things to be concerned about and aware of.