Duane, our well, and everyone else's around here has metal pipe cap that you simply loosen 3 bolts and it comes off. Very simple. Does that mean it could become contaminated? Well anything can become contaminated I suppose. Our climate here doesn't bode well for bacteria and such in the open....there's just not enough moisture to keep them going. But the simple cap has always made me wonder....who's to say someone with horrible intentions couldn't poison the supply. It'd be quite easy I would think.
I haven't specifically asked my neighbors but I do know the previous homeowner mentioned that about once a year, he had to dump bleach down it. The driller also sounded like this is a pretty common thing across the board.