My technique for the bee/wasp thing is to resist panicking, stop the bike and let the bee reorient itself, crawl out of the helmet and fly away. Never a sting so far. You're asking for trouble if you start moving things around.

I see a lot of wildlife on the bike because I'm moving fairly quickly but silently, also a lot of people having sex. One time a bobcat became apoplectic when it noticed me watching it. First it crouched down and tried to disappear in the tall grass but when that didn't work it did sort of a little dance like it was torn between fleeing and attacking me. It was a feisty little guy and for an instant I was frightened it might charge. Finally it did run away but did so in a threatening and hesitating manner, if that makes sense.