I once had a couple of mosquitoes get inside my headset, and remain quiet and unmoving until I was on short final to a platform, when they suddenly woke up and started buzzing and biting. Not as bad as a wasp, of course, but very distracting. I've killed a fair number of wasps and bees in the cockpit, but I usually found them before I cranked. A couple, though, started flying around when I started cranking, and somehow I managed to avoid hotstarting while keeping my attention divided between the TOT and the threat. I keep a pair of leather gloves in my flight bag for dealing with them, along with other tasks.