I haven't ever had a bee incident, but I'm not a wasp fan.
The first time I was stung, it was because a wasp landed on my leg so I whacked it with a hardback book (I'd be about 7 at the time) which had the dual effect of killing the wasp but leaving it stuck to my thigh by its stinger.
I've also been stung whilst camping, after running through some waist deep grass and ploughing headlong into a nest suspended in the grass (it was about the size of a tennis ball) - only got stung once on my wrist.
Most alarming non-sting wasp event was the time I was using the toilet (and taking my time reading a mag as you do (no, not THAT type of mag)) only to flush and lift the seat to find a large wasp pulsing away mere millimeters away from where my love spuds would have been dangling. That wasp died promptly after being whacked with the mag.