Considering the abundance of flying insects in FL, I"m surprised I don't encounter more than I do. Yes, the lovebugs peak in May and October, but are a minor annoyance. I sometimes get an unidentified bug in the helmet vent, but I hate stopping to help it go free. They usually find their own way out with no bad results. It seems the most frequent encounter is when someone has their jersey zipper more than half-way down and a wasp or yellow jacket gets trapped resulting in a sting or two. That usually results in everyone zipping back up for the remainder of the ride