Does active social life equal daycare in terms of exposure to viruses?

Our 18 month old is not in daycare for now, however, we have a very busy toddler schedule. She goes to swimming, music school and toddler gym every week. We go to parks and playgrounds at least once a day, she has occasional playdates (with kids that go to daycare), and we go to indoor playgrounds and malls when the weather is bad. We also travel quite a bit (she has been on a plane 10 times by now). Safe to say she gets sick once every month or two. We had croup, three day fever, stomach flue and plenty of colds since she was around 3 months old. Would you say that she's exposed to similar amount of germs as kids in daycare? Or will we still be hit hard once she starts either this autumn or next?