I was wearing a nike dryfit hoody last weekend, but forgot the repellant. There were swarms all around, but it seemed the hoody made my heat signature invisible for most of the day. The only thing they saw were my fingers, so as long as I tucked them into the sleeves, they were fine. Eventually after I worked up a sweat, then they started seeing me. So it seems for the most part if you are staying in one spot you can minimize your bloody attractiveness.
I always avoided OFF because I was sure the fish could smell the DEET, but maybe thats my superstition. Skin-so-soft seemed to work ok for bugs with no fish repulsiveness.