In the first and third Resident Evil games, when Jill goes about her business in Spencer Mansion and Racoon City, she gets bitten all the time and is just fine until she gets attacked by Nemesis at the clock tower, and only at the clock tower does she get infected.
If she was suspectable to T, why didn't it affect her until then, and if she's only suspectable to Nemesis's T, why didn't it affect her until then?