Rats? Pshaw! I mean, I wouldn't want to walk up on one by accident or anything, but it's not some deep insidious fear (and if it's a pet -- no fear at all).
Bugs? Well I wouldn't want to be stung by one. I'm not 'yay bugs!" but... it's just a bug.
Spiders? Some are dangerous. But generally they're beneficial in the garden. No problem.
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Rats? Pshaw! I mean, I wouldn't want to walk up on one by accident or anything, but it's not some deep insidious fear (and if it's a pet -- no fear at all).
Bugs? Well I wouldn't want to be stung by one. I'm not 'yay bugs!" but... it's just a bug.
Spiders? Some are dangerous. But generally they're beneficial in the garden. No problem.
Snakes? PARALYZING FEAR!!!!!!!!!!!!!!!!!!!!