Guidelines for future medication use

Currently, I take no medications on a regular basis, but what are some good guidelines to follow when it will be necessary (even just an antibiotic), or when we do have the eventual cold, or fever? Should everything be prescribed or bought OTC as liquid, do we double up--are pharmacists and private MDs really knowledgable to prescribe for us? Please any insight or experience appreciated--I've really only seen anti-depressants addressed here. Thank you for this WONDERFUL knowledge base.

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