Good points here, as much as we want vehicles and pedestrians to respect us and everyone to follow the rules of the road, we have to be courteous, too. Here I have always called "on your left/right" ( no offense intended OTG
) as the situation requires (the walkers seem to prefer moving across the street if no one is coming at them that direction.) Only rode the local Rails to Trails pathway once, a century ride's starting portion.
The horseback riders get extra caution from me, our daughter rode for years so I don't want to spook a horse by shouting when I draw up beside them, and we have many here in our rural area.
Bill