Your neighborhood sounds like mine. I think that it is a good idea for her to stop to let the dogs pass until you become familiar with which dog handlers do a good job of controlling their animal. Explain to her it isn't about the dog, but whether the person walking them is watching for bikes, etc. and making sure that their dog is staying close to them. As her biking skills and judgement improve with age and experience, she will be able to manuever around more distractions, but I still stop (or at least slow down considerably) if I am unsure about the dog handler.