Gee, I hate to admit it but I don't know the difference between wasps, hornet, yellowjackets, honey bees and bumblebees (have I missed any?). But I think I know carpenter bees - they're the big round ones that chew small holes (about the size of a pencil eraser) in raw wood, right??
I'm scared of flying bugs - morbidly scared. I'm one of those people that freak around bugs. When I was around 10 or so, my sister played a joke on me. To make a long story short, I was lured under a tree, the tree was shaken and I was covered by hundreds of japanese beetles. I don't remember this at all but my family has confirmed that this happened. Evidently I have repressed the memory but have been left with this irrational fear. I can control it if I have a moment to calm down but am a basketcase if taken by surprise.