Glad you found her before she found you! Your post is a reminder for me to start watching as the weather's getting warmer.
I never wear gloves in the garden unless what I'm doing involves moving rocks, pieces of old rotted logs, stacks of old pots, etc or stuff that hasn't been moved in a while. But I sure do keep an eye out for widow webs as they're very identifiable around here. Only one or two times have I ever found one in among the veggies and it was because I saw that web first.
Last fall I righted a small plastic garden cart that had been stored outside upside down. The whole interior was filled with widow web including the web maker.