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What you think that about yourself - contributing to your own creative abilities - has a major impact on what, how, and simply how much you make. Your beliefs set the limits of the creativity.
So, the short answer to your question is that anything you put in your ear will increase the bacteria levels present, simply by sheer dint of the introduction of a foreign object to your ear. You can consider this to also be true for cotton buds, earplugs and, of course, your index finger. Microorganisms tend to reproduce well in hot and humid environments and the ear, like the mouth and nose, certainly have all the right conditions for a germ-orgy of sorts (sorry for the image).