Does "it" touch the water when you sit to use the restroom and should I be concerned?

when you get older "it" tends to hang lower. sometimes i find "it" creeping into the heel of my shoes or slipping out of a pant leg

You're got a very long dik or it points down when it's hard and long  More likely is that you fall asleep and dream while you're on the toilet. 

clean your genitals thoroughly 

I wish my "it" were that long

 If it is in a public bathroom it can be dangerous, to me it also happens that, when I sit down the glans he enters in the water, and then grasp the penis so that it doesn't pass that. That happens because my penis is long in flaccidity.  

I guess mine is too short. It doesn't reach anywhere near the water.

Mine touches the water and it gets cleaned, but I still use a wash cloth to clean it again.

I always sit sideways with one side raised to make sure it doesn't get into the toilet water. There is probably low to no risk, but I still would rather not risk it. This doesn't excuse you from having to wash with soap and water frequently and both before and after sex.

stop using the urinal to go number 2