I'm riding about 100 miles/week for fun and conditioning in rural western Oregon. About every ride has a memorable bug hit. The other day was something big with long legs- wasp or grasshopper- that hit my Adam's apple then grappled with my throat for a split second, no doubt looking for my jugular so as to plunge in the Stinger of Doom, before blowing away in the wind.
In an effort to appease my wife, who has no interest in seeing me in spandex, I'm wearing mountain-bike type bike shorts, basically a thin loose shell over tight bike shorts. Last week a hornet got between the loose shell and my leg with predictable outcome. Stung me right on the hammie. I still had 15 miles left including a big climb and that was very odd with a sore/numb hamstring.
My wife just got back from the maiden voyage on her vintage Trek 620 that I've been rebuilding (yay!) and had a paper wasp stick in her hair then crawl out onto her sunglasses.....
None of my bug hits are as memorable as some I had back in my motorcycle days. A cicada at 60 mph HURTS. Desert bees inside the helmet at 45 mph on a ditch bank, also not so good. So far, nothing on my bicycle has hurt per se; just been a bit... alarming.
I bet you grizzled roadies have some great bug stories!