Coming from someone who has contracted Lyme both this June and the last... I do freak out when I find deer ticks! I'm pretty much doomed considering my hobbies are gardening and mountain biking in the woods with my dog. I shower as soon as possible when I get home and do a tick check, but I think they likely hide in my dogs long curly hair and crawl onto me in the night. The second time they couldn't test since I may forever test positive at this point but the reaction was identical so my doctor felt it was important to go ahead and treat for Lyme. I consider myself lucky that it's been caught early both times. The first time it looked like a bulls eye for maybe a day and not really as pronounced as you see in photos online and then it blistered and became a welt. Several people told me it was poison ivy and I've never had a reaction before so I believed them and let it grow for a week before finally seeing one of those "drop in" doctors. She gave me an antibiotic and when I asked what she thought it was she said she had no way of knowing but maybe a spider bite. The spot faded but after finishing the antibiotic it flared back up. I finally saw my doctor and he had me tested for Lyme and treated when it came back positive. I'm so thankful that my skin was responsive so that it didn't go untreated after the first misdiagnosis!
I've never seen a tick in my garden, but we definitely have found them on us while biking.
USDA Zone 7a, Sunset Zone 32
"The earth laughs in flowers" -Ralph Waldo Emerson