A neighbor caught a tick borne disease (not Lyme) even though she took precautions. The tick came off a tree onto her head and she didn't notice it there. So consider all attack angles.
This. They crawl around on you for a couple of hours looking for a nice quiet warm moist place to tuck in, which is why permethrin works. Also, they like quiet warm moist places. Yes, especially there.
Maybe, but that's what she told me. She was wearing treated clothes and footwear. Maybe she was gardening or something and had her head closer to the ground.
Watch out for West Nile also!