I have always preferred the over-the-top tp situation however when I was a kid, we had an outside toilet. Upon pulling on the tp as it rolled forward a huge huntsman spider (very common in country Australia) rolled forward with it and from there up my arm and into my hair. I proceeded to do the "spider-dance" at which time things started to go very wrong... Huntsman Spiders are hairy and can grow up to about the size of a drink coaster (leg span that is)- although they rarely bite, they are still scary.Another time, whilst trying to leave the very same toilet, I found a snake lying on the concrete in the sun. I yelled for my mum who came out and chased it away with a mattock. Possums jumping onto the roof at night were also a bit scary.
When I was 12 we got an inside loo which made me very happy.