hi rachie,
i have my own voice in my head, but that is something i think everyone has. sometimes it surprises me when it kind of 'says' stuff, but again - it's my own voice and so that's generally ok.
sometimes when i get majorly stressed i will hear other people's voices. i don't have schizophrenia, but i post here sometimes because not many people understand psychosis. but yeah - it's possible to hear other voices and not be schizophrenic. anyway, these other voices carry out conversations with each other, or sometimes try to talk to me, and that kind of frightens me (i'm ok if they leave me alone) so if that happens, i take some meds.
sometimes when i get super stressed i also see bugs like you've mentioned. but like you - i'm terrified of them anyway, so it could just be an anxiety reaction. the meds i take to help with my voices also help with the bug stuff - not that it makes the bugs go away, but just calms me down about them being there.
i also see and hear other stuff, get convinced ppl are following me, have poisoned my medication etc.
i've talked this over with my doc a few times and he swears it's not early schizophrenia for me. he just thinks that it's a stress-reaction (and abnormal one, for sure) but nothing more to worry about than that.
i think it would be worth talking over with your doc if it worries you. i'm not on antipsychotics all the time - just for a week or so if i start hearing stuff and it stresses me out. a lot of the time, i can get away without taking anything.