Honestly, this your pool. The whole point is that it is for your enjoyment. If you're not enjoying the pool, then feel free to do something that will allow you to. What would make you feel more comfortable? If adding some extra chlorine or shocking would make you feel better, then by all means do so. We're just saying, if your chemistry is good and your water is clear you're fine. The chlorine did it job and kept your water safe and sanitary for swimming.
As far as the critters go, think of it like this. A pool looks like a big watering hole. Those critters don't know or care that is chlorinated, borated, or whatever. They just know its water and they want some, occasionally they fall in and get trapped. When they do they end up in your skimmer or pool bottom. I don't know if you have a dog, but they'll drink out of a pool without a second thought, why would bugs or other critter be different? Same for swimming, after dogs take a swim, the pool is still safe (assuming the chemistry is still good, etc...), same goes for other critters.