> A horn or bell is mostly for telling other people "hey I'm here, stay out of my way and dont suddenly cross into my path"

This. I only use the bell on bike paths, too. Sometimes it feels like a game of pac-man, where baddies will wander into my path from all directions and in all kinds of ways. Cars doing a right turn, zombies staring into phones, people walking backwards (!), zombies staring into phones walking backwards, it doesn't end.