Some situations leave us w an icky feeling. I've had two icky feeling producing cycling experiences.

1) A few months after I learned to ride, I hit a jogger. I was in a park during an organized runner's race when she suddenly turned off the course, went perpendicular to the clearly marked runner's lane and into my path. I braked sharply but couldn't avoid her entirely. She skinned her knees. I went down, lost consciousness twice (concussion), had a lump the size of an egg on my head that took over a month to resolve, cuts, road rash, scapes and bruises from my face to my calves. I did get the experience of being "boarded" by the EMTs, got an ambulance ride, brought in via Trauma and having folks strip me to check for damage. Also got to buy a great new helmet! I would rather have had a few more cuts and bruises myself and missed her entirely but that's not the way it went.

2) Once on a path, a boy of approx 4 years broke away from his dad's grasp and ran right in front of me. I opted for the concrete wall on the other side. Fortunately I was going fairly slowly so it only resulted in a few scratches to my bike and an astonishingly large dark bruise on my inner thigh where my saddle jammed into my leg. I'll never forget the look the dad and I exchanged, both recognizing that it could have had a very different outcome.

Now I give pedestrians and joggers the widest berth possible even if it means stopping and/or walking my bike. Takes longer time to get places but pedestrians and joggers are too unpredictable.

PS, I'm pretty confident that I'm not going to hell because of either of the above.