Count me in the crowd that think a little dirt/germ is good for you. I can't imagine disinfecting food before I eat it. I'm not at all afraid of the pesticides that are put on food, nor do I think there is a particularly good reason for anyone to be.
However, the places I get my produce don't have the sprays, so I usually give them a rinse just to get dust and grit off before I eat. Dirt has a really unpleasant texture.