I only don't like it when bugs get underneath my clothes or try to attack me / bite me / suck my blood. I don't mind them simply being on me, or even around me. If it's one of those really fast moving spiders then I try to get it off quick me purely so it doesn't get under my clothes. I don't want to kill it! Underneath my clothes is annoying because it becomes more likely to attack you and/or get squished into your skin which is of course rather gross.