Exposed Scratches contact with infected blood = infected (bandage wounds)
Exposed Eyes contact with infected blood = infected (wear goggles or glasses)
Exposed mouth contact with infected blood = infected (wear bandanna or gas mask)
More protective gloves reducing dexterity, dog training arm bite guards, being naked because of hot weather results in near instant death when zombies try to grab you. I imagine new clothes is already in the works due to the animation update but I sure hope the game punishes us extensively for being naked and rewards us for being heavily armored.