CaliforniaOP, are you in the Ukraine or Sebastopol, California (or Mississippi), because location will certainly change species guesses? Still, argiopes don't have medically significant bites regardless of which species. Some people can be allergic to their venom, like with bees, but it's quite a challenge to actually get one to bite you in the first place.
A tad off topic but, I recently heard scientist say daddy long legs are the most venomous spiders on the planet, but thier fangs are too short to pierce human skin. interesting
At my house it would be a dead spider. I know they do good things, but they scare the ba gee bees out of me