Mud doesnt bug me to much, just spit it out and rinse with water lol.
I had what i thought was a dragonfly a while back hit my mouth.

^and yes nats and flies suck.

I like it when im riding fast and i see a bug of somesort like a be comming at me, i pint my head down and it bounces off my helment LOL, you just hear, Smack!