Don’t be so sure about that 36-48 number. In upstate NY I felt a bite on my leg; checked the spot and found nothing there. But I ended up with the ring around that exact spot all the same...
I have similar reactions to ticks. The moment they latch on and start working, it starts a painful burning sensation.
But I had only been outdoors a few hours by the time I felt something, so the total time of exposure would be <6 hours, I estimate.