I don't see much need for using chlorine products in the home. Maybe for laundry, but my stuff seems to come out OK without it. We do have a persistent problem with mildew on our bathroom ceiling, and I use bleach to deal with that, which keeps it at bay for a year or so. But no chlorine to kill nasty germs in the kitchen; they don't seem nasty enough to be doing any harm. On the other hand, chlorine in the drinking water does keep it sterile, and that's where you'd have the most risk of harmful bacteria. If you can smell it, they've overdone the dosage. If you leave the water standing in the open for a while, the chlorine evaporates fairly quickly.
Swimming pools evidently need quite a bit more chlorine, but since they generally demand clothing in the water, you wouldn't find me there. Hey, there's cause and effect for you. Be a naturist, and you won't be exposed to much chlorine.