I guess it depends on the condition of the soul. We live on a planet of professional reincarnator's in my opinion.
Some souls come here for the physical experience and get stuck. Or by choice choose to stay.Some descend to help mankind and get stuck.
I still believe Earth is a school of sorts ( as majestic as it is) for us to learn our way back up. One reason I say this because we live in s cyclical universe. Everything revolves around cycles here.
Also because the soul is affected by the magnetic force it can be locked down. They are so technologically advanced past anything that we can comprehend its not even funny.
They are about 1,000 years ahead of what they let the public know they have.
Also think about this about this ... Have you had dreams of coming from another place not of Earth? And with billions of stars in our universe , why do so many remember having past lives here on earth?
If we do reincarnate how many times is the limit or is there one?
About the ladybug being cold. I would have to say yes that the insects get affected by it also as well as the trees and the plants and such. One day last winter , I was outside with my dogs when it was cold and was shivering a little bit and was wondering to myself if the grass got cold and to my surprise I got and answer. " Yes we get cold too" imagine my surprise .
Have you ever read Alien Interview?
[link to www.bibliotecapleyades.net
or the Book of Amenti ?
[link to api.ning.com