But peanuts and white rice, the most common ones have already been 'peeled'

In South Korea (where I used to live for a while) it's quite common to wash fruit with soapy water at home before eating them.

Unfortunately a lot leaks in. Grapeskins are particularly porous for instance. So are most of the dirty dozen iirc.

Skins are healthy, but only if organic and/or clean fifteen.