Couldn't you always "connect" the upper and lower parts of Michigan, four color the map that way, and then erase the line you drew? I'm having trouble seeing why Michigan (or Michigan-like states) could ever pose a problem as it seems to be solvable easily.
Does the hole caused by Lake Michigan pose a problem? I see the number of colors grows if you have a torus, but Lake Michigan (or its equivalent) is a 2D hole not a 3D one.
If you connect Michigan between the water and the land, then you'll have to account for the fact that the water on one side and land on the other can be colored the same during the connection but _can't_ after the connection is erased.
Here is the product that I use on my livestock:
https://nrsworld.com/products/durvet-permethrin-10-concentra...
Permethrin applications last multiple washings; this is also why its use can be problematic environmentally, it sticks around a long time and can hurt aquatic life. I stick to DEET on my hikes, on account of it being less damaging environmentally, but I also don't live in an especially bad area for ticks.