I get them on me a lot, I generally find them crawling and get them off before they dig in.
A couple of years ago I got a tick on me right at the hem of my cargo shorts on the left side of my left thigh. It was stuck tight, and I got it off me and it developed the bullseye about 2" in diameter. I went to my GP and he looked at it, dismissed it entirely off-hand, and said don't worry about it we don't have Lyme in Alabama. After I left I was like well he!!, i'm not risking it, and I took an un-used prescription of Amoxicillin my wife was saving, on my on, without telling him, just in case. I have not had any effects that I know of from the whole episode.