The insect thing is definitely more based on Jainist thoughts on Karmic Accretion. BUddhism is nowhere so strict in most sects (at least from what I have seen in my studies).
The topic of eating meat is an interesting one. The early Buddhist monks would eat meat on occassion. As wandering ascetics, they begged for food and alms to keep them hale. They were bound by convention and tenet to eat what they were given. Thus if some passer-by gave them meat, the monk would prepare it and eat it, safe in the knowledge that his karma was in no danger. He had, in no way, contributed to the death of the animal as he did not ask for meat, did not buy meat, nor was the animal killed in sacrifice for the monk.
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