I think the urban legend is more like, “The average person swallows 8 spiders in their sleep per year” or something like that.
Bugs can get into your ears. We went on a church mission trip to Piedras Negras, Mexico when I was 13, and my mother, an RN, set up a free clinic. She was tending to a young boy and when she went to check his ears, his left ear canal was horribly obstructed by something. She carefully tried to remove the object with tiny tweezers… and pulled out part of a bee. We drove him to the nearest doctor in the area (about an hour away) so they could use special instruments to remove the rest of the bees. There were three crusty, waxy bees in his ear. God only knows how long they’d been there.