It can begin early if you grow up a little wild and more than a little barefoot in Florida: Something is going to bite you. Something is going to sting you. At the very least, you are going to touch something so horrible, and so repugnant, that you'll be scarred and scared for life. Decades later, while working in the yard, you might suffer a flashback and imagine you are once again seeing the whopper bark scorpion, stinger upraised, poised to inject your pinky with venom. You will remember the pain inflicted in your little boy hand by the hairy puss caterpillar. Don't touch that tree without looking first. Real Florida columnist Jeff Klinkenberg recalls some of his more memorable too-close-encounters and rates them on a pain scale. With scary-good illustrations by Times artist Don Morris.