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There's a difference between a spider bite and an insect bite.
Insect bites are a method for the insect to obtain a blood meal, so they usually inject an anticoagulate to keep the blood flowing while they feed. This injection almost always causes itching, swelling and sometimes allergic reactions.
Spider bites are their reaction to a threat by a larger foe. Since we are way too big for them to eat, their intension is to drive us away.
Unfortunately their bite injects you with a venom, and sometimes a rather nasty one at that. The general reaction to spider venom is a necratising of the skin surrounding the bite, i.e. the skin begins to die and liquify (hey, that's how they feed). Depending on the species, size and amount of venom injected in the bite, you could hav no reaction or you could end up with an amputation or major reconstructive surgery.
I give each bug bite the proper attention it deserves.
Better safe than sorry.
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