Jumping in here late but if Hikvision products are an option for you, look at their Darkfighter series. I've been experimenting with them and had some pretty incredible color images in low light which completely negates the need for IR of any sort and eliminates the issue of bugs entirely.
They also benefit by giving you a far more accurate description of a subject because not only does IR mode on a camera just give you shades of grey, lots of clothing is IR reflective which can lead to very inaccurate descriptions.
I have a perp on camera that was wearing all black and the IR makes it look like his jacket and shoes are bright white. If you're live monitoring, that kind of disparity could very easily allow a suspect to get away if security/police pass him over for not matching the description (i.e. "bright" colored jacket and shoes, dark pants).
NOTICE: This comment was moved from an existing discussion: How To Minimize False Alarms From Insects At Night?