I somehow made it to the age of 36 without ever having been stung by a bee. I started riding this summer, and got my first sting-- on my neck. Luckily I also found out I'm not allergic
I don't really think about insects much because there always seem to be bigger hazards on the road to worry about.
However, I usually find a lot of gnats plastered to my chest when I take off my shirt after an evening ride. I also had the gnat-in-eye issue a couple days ago. I wondered whether it might be useful to bring a small mirror along on my rides...




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, (ick)..... but yesterday, as I was riding and paying attention to things in front of me, I saw a BEETLE that was HUGE, making his way to the curb. 
I get them in my sports bra and eat a few every ride. I some how got a beetle under my helmet and about wrecked trying to stop and rip off my helmet and pull it out of my hair