I was riding along today and there was a sort of minimally painful scratchiness near my nipple. I itched at it, but I'm not the best rider, so my itching wasn't very effective. I tried to see down my shirt to see if there was a bug, but I couldn't find one. I itched again and again.
Finally, I felt a hard pea-sized thing. But by this time, I was near traffic. So I gave it a good squeeze through the jersey and bra. Ewww.
The poor little bug paid the ultimate price for ending up in my bra somehow. I have no idea how he got in there, but the scratchiness stopped as soon as he did.
What I do for fun!