Hey, this is the OP. Thanks for the feedback & supportive suggestions. I think this comment summed it nicely, especially #1: "
As far as a point by point...
1) She admits she saw him, but thought he'd apparently stop to accomodate her
2) If he braked harder, he'd have only done an endo into the car, which may have happened anyway. Bikes stop faster than other vehicular traffic anyway.
3) Don't know the speed limit, but most are over 25, and most cyclists spend most of their time under that."

#1 gets it. Her comments to me included "Why didn't you slow down?" & "Please, be more careful in the future!"
She rationalized to herself that I was being reckless.

Now, try as I might, all I can recall is that the car in front of me slowed & made a left. As I approached this road, I saw movement to the right at the stop sign. She must have been in motion at her stop sign, preparing to cross (nothing coming from her right & just a bicycle coming from her left = opening). From what I recall, I chose not to check my speed, I was in traffic. (I WAS traffic.) I think that I increased my speed since its a very slight drop in grade. That acceleration could have took her by surprise, but my speed still could not have gone above 18mph (its a 25mph zone & rush hour). That would explain her attitude that I was riding recklessly. Eureeka!