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It is not the end of the world to have a wash sale disallowed: The IRS simply adds back the amount of the disallowed loss to your original basis, in effect lowering your tax burden in whatever year you properly dispose of the investment.
FORBES: Magazine Article
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By the way, for those of you who have asked whether I would wash a shirt after swapping it with a player the answer is a definite yes!
BBC: David Beckham (left) tangles with Owen Hargreaves
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There are things you can do to minimise some risks such as have a flu jab, stay warm and wash your hands regularly.
BBC: Top ten Christmas health risks