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Avon Skin so Soft will solve your problems with getting chiggers and ticks. After showering, use Avon "Skin-so-Soft" before you dry off. My family has used this for decades.
Any large "untreated" areas of the body is fair game for these little pests. You can probably rub it on your legs and waistline and be okay but why take the chance. I use that stuff everyday.

Since you already have them, fingernail polish will work until the chigarid is back on the shelves.

Cheers

I've had a few flights of small groups moving through but mostly local birds so far.