Motorskills
Explorer
I had a blast with these Swarms in Salvage Operation, I happily moved them in three dimensions (up the walls / stairs / through the cargo grates etc). The PCs hated it. 

Not being able to stab them for fear of harming your companions is kinda the point of insect swarms, swarms are designed to require ‘problem solving’ rather than stabbing, thats a feature not a bug![]()
If you do background music or sound effects then something like this would be awesome:
Creeping Terror - Scary orchestral music
I don’t think anyone has really addressed this. My suggestion would be to describe the character having some spiders on them, but not all of the spiders. Think about how you narrate swarms of flying creatures. There’s never a question that you can attack the swarm without harming the character engulfed in it, because there’s no assumption that all of the creatures in the swarm are physically on the character. Some of them are, sure, but there’s an assumption that there are plenty more, buzzing or flapping around the character in a big ol’ cloud. Now translate that idea to grounded creatures. There’s probably a big ol’ pile of them on the floor at the character’s feet, some crawling up their legs, but plenty more just writhing around on the ground.I'm about to run Ghosts of Saltmarsh, which includes a few encounters with insect swarms (spiders). As I read the stat block, it occurs to me that I have no idea how to run this monster. Unlike a swarm of flying insects, the spiders need to crawl onto a target to attack it (I assume, because that's the only thing that makes sense). But I'm not sure how to describe this action without giving the players the impression that they're being engulfed in spiders and can't attack for fear of hurting themselves or their companions. How the hell do you stab a spider when it's crawling on someone, anyway?)
I'm about to run Ghosts of Saltmarsh, which includes a few encounters with insect swarms (spiders). As I read the stat block, it occurs to me that I have no idea how to run this monster. Unlike a swarm of flying insects, the spiders need to crawl onto a target to attack it (I assume, because that's the only thing that makes sense). But I'm not sure how to describe this action without giving the players the impression that they're being engulfed in spiders and can't attack for fear of hurting themselves or their companions. (How the hell do you stab a spider when it's crawling on someone, anyway?)
I guess I need to make it clear to the players that the "swarm" is a monster that can be attacked, and not some sort of trap/hazard that must be dealt with creatively. But how do I do that?
(Also, the swarm has 22 HP and resistance to bludgeoning, piercing, and slashing damage, which is effectively 44 HP. That's nuts for its 1/2 CR, isn't it?)
I would go with the direct route. "It looks like the spiders could be safely attacked without risking injury to Person X." Simple, clear, doesn't really break immersion. As for describing how you stab a swarm of spiders - you probably don't. But maybe you use the flat of a dagger blade to smoosh a number of them. Yes, of course it's less effective then stabbing normally would be...that's why the creature has resistance.But I'm not sure how to describe this action without giving the players the impression that they're being engulfed in spiders and can't attack for fear of hurting themselves or their companions. (How the hell do you stab a spider when it's crawling on someone, anyway?)
DM: You are attacked by a Swarm of insects (spiders)
Me: Spiders aren't insects
DM: You win D&D
Me: puts on sunglasses
DM: You are the DM now
Me: takes of sunglasses