I've been riding my 13 mile round trip commute nearly every day for the past 2 years. For most of that time I was riding a fairly high end road bike, and carrying nothing but my cell phone and wallet (I transported clothing and food back and forth using my car a couple of times per week).
In that time, I've had very few problems with drivers.
But, for the last month, I've been commuting on my new Surly LHT. It's outfitted with full fenders, rack, and panniers. It also has very bright headlights and taillights (Dinotte for both, plus two PB Superflash). I wear cycling-specific clothing (bibs, tights, etc.), and ride pretty fast...so, presumably, I don't look like a "DUI cyclist".
It may be coincidence, but in the last week or so I've been yelled at several times for no particular reason. I was called "******" by a carload of kids, and told to "get off the road" by a guy last night.
And this morning I was yelled at to "get in the bike lane" - this happened in a spot where the bike lane ends at a freeway on-ramp. It's a 4-lane road, so I just move over and take the right lane across the bridge over the freeway. I caught up to the guy a third of a mile later and asked him if we had a problem. He said I should not be riding in the road - I responded that I was an experienced cyclist who knew the laws, and was riding where it was safest for me. He said he was a police officer, and that I shouldn't be riding where I was...then the light changed and he drove off.
Has anyone else experienced this? I would have thought that my appearance as a "transportational" cyclist would earn me less flak than if I appeared to be a "recreational" cyclist during rush hour. But, it seems to be just the opposite.