well, I'm not arguing against the fina pellets being put in throwing off whether it is sterile or not - but urine, while not pleasant is sterile as it leaves your body.
once outside it can pick up the same bacteria and mold (although the urea in it will likely kill fungus - hece why there is the arguement that urine kills athlete's foot) anything else would outside of your body.
that said, it is still a waste product and urea isn't something I'd want building up in my bloodstream since my body is making an effort to get rid of it.
rock, i think the best thing to do, and safest probably would be to get a kit. If you have 2 grams of fina, it's only $30 with shipping, and $40 if you have 4 grams.