This seems to be a pretty common concern, but I'm not real worried. I say that now...
Minnesota is pretty tough on bugs (other than mosquitos). There isn't much in the way of creepy crawly things here, although we suddenly have a whole mess of earwigs for some reason. We do have paper wasps...
I have a Harken setup, these are really slick. It's an offshoot of their sailing hardware, and it shows in the quality.
http://www.hoister.com/default.php