I... am so with you. Bugs are my biggest fear. And I also sometimes have phantom sensations of bugs crawling on me at night. Not very often, though, which is why when it does happen, I genuinely have to check that there's really nothing there - get out of bed, turn on the lights, look through the sheets. It happened last night. It felt so real.

I am SO SORRY for your experience with the bug who doesn't know boundary issues and doesn't know that you stay out of people's pants unless invited. :(