Spiders or any other kind of bug that may be in a nasty lake while skinny-dipping. Named for the small but very frightening possibility that they may disappear into unsavory places on a girl's body where they will lay eggs that will hatch and emerge at a very inconvenient time and place.
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The spiders that crawl in dirty people coochie when they sleep naked
“I heard that bitch Destiny got coochie spiders”