It's WAY easier to transmit all five to a clean character. Once you have any of them, it's much more difficult to "catch" the rest. Since it seems to transmit easiest by orbs and super kills, having a person in a group that is already infected increases the chance of someone else getting infected by only one or two instead of all five.
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Your right there, but original commenter said it only works if you don't have any, which is false.