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That imaginary discussion is the worst. Maybe it's the Westcountry in my blood (fighting the London in there too), but I find the use of "just" more effective. For example "just on your right", or "just behind yah!" as a much better solution, except when sprinting uphill toward people staring at me and not moving, on those occasions it's an unapologetic "sorryyyy!"
On those occasions more often than not it's a very pleasant fake smile that turns to a grimace as soon as they can't see my face.
do you shout so you're heard, and risk offense/startling?>
this really is a tricky one. I was riding through dulwich park the other day, and I slowed for a couple infront of me to about 10mph, then said "I'm going to pass on your right". I got an angry "we can't hear you coming get some lights" (I have 4 lights). I have spent the rest of the week explaining to them in imaginary conversations why what they said made no sense at all.