This thread reminds me of two things....
1) The movie Waiting
2) An episode of Mythbusters in which they concluded that toilets have far less bacteria than floors.
mythbusters actually did a comparison between the 5 second and 15 second rules. I'm fairly sure they determined there was no difference in the amount of germs between the 2 times.
Yeah it definitely depends on the location as well as how much I value the food, you have to weigh your options carefully