Regardless of its toxicity level to humans, I wouldn't recommend spraying it directly onto clothing that you're wearing. I would only recommend pretreating, and allowing it to dry.
I used Sawyer's for years, and it worked great! In the last couple of years, I've been diluting the concentrate myself and saved quite a bit of money with the same results...no ticks!
One thing I would recommend is to get a hand pump sprayer that is solely for the permethrin mix. I bought a little half gallon hand pump mister when I bought the concentrate the first time, and it made a huge difference. Easier to apply (just pump up the pressure and mist away), takes less time, and easier to spray more evenly.
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