Geesh. People scared of little ol' bears......
Now, insects.... that's another story. And believe me, if I come into contact to an insect, the whole mountainside will hear the screams.
I have a very serious phobia, but I survive. If anyone should ever see something crawling on me, just brush it off, and tell me I had a fuzzle or leaf or something. Otherwise, my skin will crawl for a good 24 hours, let alone I won't be able to sleep.