I've encountered bees while riding, accidentally went through ground nest. T started kicking a bit, not like her, and then I realized what happened. Was with a large group, I was near the end, so told those behind me stay to the left, and we trotted , no running, up to the rest of the group.
No negative effects and all were okay. I'm careful now when riding to survey the trail, especially if not used often and it's been dry. That year we were having a bit of a drought. Last 2 years, we had two months non stop rain.
Unlike you, I am not allergic, though I would prefer not to be stung. I also don't know the effect multiple stings would have for me or the horse. So, I'm a bit careful.
Be the kind of woman that when your feet hit the floor each morning the devil says, "Oh crap, she's up!".