Naked Bugs

After laying my son's clothes out for him this morning he came running into my room stark naked. I asked him what he was doing and he said, "Mom, I'm making sure the bugs don't get me 'cause I'm naked." I said, "what are you talking about?", and he replied, "When bugs get into your house they like to get you when you're naked."

I'm concerned about two things, 1) Is he speaking from experience?, and 2) when have there been bugs in our house? Oh, the mind of a three-year-old. There's nothing like it, other than maybe the mind of my two-year-old. :)