I have been riding the kilometre or so to work and back since 1990.
Half of it is on cycle / pedestrian paths, the rest on streets passing office blocks and large car parks. With about three exceptions I have been in more danger from sleepy pedestrians than from cars. I have sounded my bike bell to let them know I am coming to have them jump into my path, they step off footpaths into the street without looking, some seem incapable of walking in a straight line, etc etc etc. I'll get screeched at for this but in three cases out of four the sleepy pedestrian is a woman. The near universal female habit of looking at the ground two metres in front of them does not help either.

A recent incident with a couple was typical. The cycle path has a centre line and we keep left in Australia. He was nearer the centre line, she was on his left. I rang the bike bell from behind them. He moved to the left as expected, she decided to cross the path to the right in spite of there being oodles of room for me to pass on their right. They bumped into each other and by the time they had sorted themselves out I was hard on the bike brakes and passed between them with a whisker to spare. Luckily the cycle was nearly new with grippy alloy wheels, unlike the steel wheels on the ancient cycle I had until recently.

I also drive a V8 coupe, so pay a share of tax.
(Redemption blamed it on the Bossa Nova since, Sat 24 Apr 2010, 12:11, Reply)