I have the clear kind that I can only see against a bright, relatively uniform background (Just what like Yan described).

My wife has darker ones that she can see in most lighting at or above an average comfortable level. She really first noticed hers after a mild head injury (indoor slip & fall) and had quite a bit of trouble with the issue. As soon as she heard it could be associated with retinal detachment, she went full-on hypochondriac! In her case it never lead to that, as it usually doesn't.

She's never been a bike commuter but there were a few occasions when she found they distracted her while driving but she could still focus on driving. Mainly it was a distraction for her in college and when she initially started working with computers. She said it was more or less like seeing bugs flying past or hovering in front of her. She hasn't had any trouble with them for several years now though. I don't bring it up to her because of the psychological aspect where once she notices them, they're ALL she'll notice for a while!

Good luck handling yours.
Scott