This is my second year. I usually get stung once or twice per inspection, regardless of how many hives I inspect at the time. I don't usually wear a veil unless I'm in a hurry and/or can't use smoke, and I never wear gloves.
Cutouts, on the other hand, I always get stung 10-20 times, always wear a suit and gloves. I had a defensive hive that stung me more than 100 times, 50 on one bicep before I was finished. Not very gentle bees, but they are definitely the exception, not the rule. Wearing a suit helps, since the venom sac can't penetrate...just pulling the fabric away from the skin removes the stinger.
I've noticed a huge difference in my reactions to stings this year. They don't itch anymore as they heal and the swelling goes away in half the time or less than it did last year. Cutouts (probably their related stings) apparently are good for building immunity to bee venom. The cash payment also works well as a psychological balm.