@reddevil
Yes, putting in a catheter does run the risk of a UTI, but if it is done very carefully, it is largely pretty safe.
A little research shows that the UTI rate is under 1%... one infection per 100 catheter insertions... but that includes incompetence too.
In my personal experience, not all nurses are good at catheter insertion. Furthermore, nurses are busy and hospitals are disease ridden.
The same probably applies to assisted living facilities and nursing homes... but more so.
That said, catheters, carefully and properly used by experts are probably pretty safe. But they require extreme care. Here are some hints:
Always use new catheters, pee bags, and insertion kits from a reputable US supplier. My personal preference is for the Dover 100% silicone. These are a blueish color and very smooth. They are a bit more expensive than the equivalent Bard, but they seem to go in easier and are definitely more comfortable. I put one in yesterday and slept with it and it is still in now. But, honestly, I cannot feel it at all. If I didn't know there was a catheter in me, I absolutely could not tell by feel. (It was wonderful not to need to get up and pee during the night) You can get cheap catheters from China, but I won't risk it.
During insertion, one must be very, very careful. If you don't know what you're doing, watch several instructional videos on YouTube, especially those by medical professionals.
Don't cut corners on sterility. If anything that is supposed to be sterile touches anything non-sterile... throw it away. A new unit is FAR less problematic than a UTI. You MUST use sterile gloves and thoroughly swab the insertion area with Betadine several times. Either lube the catheter thoroughly, or, my preference, inject 10ml of sterile lube into your pee hole. Really good lube is the key to ouchie free insertion. As you insert, keep the uninserted part of the catheter in the plastic baggie it comes in, only exposing an inch or two as you advance the catheter. If anything feels ouchie, STOP, and forget the insertion.
When pee starts to flow, insert an inch or two further, then inflate the balloon and gently pull back on the catheter to seat the balloon against the inside of your bladder. Relax and enjoy... you now have completely yielded control of your peeing.
Once the catheter has been in you for a while, you may feel some irritation where it enters your urethra. If so, gently wash the area with warm water, pulling on the catheter a bit to expose some inserted area, and then lube the catheter with an antibiotic ointment, such as Bacitracin. It'll make the insertion area nice and slippery. The area should be cleaned and relubed a couple of times a day because the catheter naturally moves in and out some.