At 5'3" that's the story of my life. LOL. I can stand being in crowds as long as I can see a way of escape should I need to. But being in a crowded, indoor place...so crowded that you can't move about at all and all you see are men's belt buckles and the backs of people....that can bring on some anxiety for me. One time, years ago, I really had a panic attack. Other than that, not too much ruffles my feathers.
I don't hate calling people I don't know or most of the things mentioned. I mean, it's not fun to have to call the insurance agent or Comcast to come fix something, be put on hold forever etc, but I don't mind speaking to the other person. I don't know why...it just doesn't affect me as a big deal.
Germs...I've lived this long amongst germs. I'm reasonably careful but not overly concerned.
Being at a social gathering is an adventure to me. I like meeting new people. I'm a tad shy at first, but not terribly uncomfortable. Once I get to chit chatting or whatever, it turns out to be fun most of the time.
Oh, the thought of being late does make me nervous. I was raised to be prompt. My parents were so obsessed with being on time, that they wound up getting there early. lol. So, yeah...I'm almost always on time or early.