My solution to this is that I ring my bell when I'm far from people, usually twice while I'm still a fair way away. It just gets pedestrians conscious that there's a bike around, while also being far enough away that it's not going to surprise them and I don't think they assume it's an aggressive bell.
My least favourite is when a cyclist speeds past and shouts "on ya right" (I'm in Australia) but they shout it when they're so close that there's no chance of hearing and understanding in time.
My least favourite is when a cyclist speeds past and shouts "on ya right" (I'm in Australia) but they shout it when they're so close that there's no chance of hearing and understanding in time.