<<It's only the Black Widow and Brown Recluse spiders we have to be concerned about.>>
Correction, it's the Hobo (A new spider that has immigrated to the US, it is spreading outward from the seattle area) and Brown Recluse you have to worry about. Black widows are uniformly very non-dangerous. Although they have a powerfull venom it isn't strong enough to kill a healthy human (Flu like symptoms for a day or two). Although it poses a life threat to <2 years and >70 years, it is a very non threatening spider. Given the option a Black widow will run AWAY from you, bites are very rare and usually from attempting to handle the spider. (ie a child trying to play with the widow). Black widows are also a very non-mobile spider, they are a web spinner and like dark corners. You really couldn't stumble into a black widow unless you were blind or they were trying to find a spot to build a web. Don't be afraid of Black widows people, and if you are comfortable with it, use a bottle to catch them and haul them outside. They are voracious eaters of insects and really keep the insect population down.
Personally non-web spinning spiders, especially the jumping ones scare the crap out of me. Having a big wolf spider jump accross a room and land on you while your at the computer is a real addrenaline rush.
It should be also noted that spiders are not insects and most insecticides will not work on them. The agents used to kill spiders are often neurotoxins and poison the nerve system of spider, these chemicals do the same thing to humans. Because of their human effects the chemicals that kills spiders that are approved for use these days have contact times of less than a week (I remember one sold when I was a kid, was a white powder you sprinkled, spider touched it and it died and the powder lasted years. Of course your pets and loved ones would die to if they touched it so they banned it.). Getting an exterminator to kill spiders unless you have a major infestation (over a 100) is a major waste of money. Use a paper towel or wad of toilet paper.