When riding on roads, paranoia is your friend. I haven't been killed yet, knock on wood.
One day, on my motorcycle, I was coming through an intersection at about 35 MPH. As I got to the green light I realized there was an on coming car with his left turn signal on. It terrified me, for one single reason: I had not prepared for him to do something dumb, like turn in front of me, and I had not been planning an escape route. I was paying attention as though I was driving a car.
Oh, and a second reason: My 15 year old daughter was riding on the back.
I live in a “retirement” community. Just about everyone (car drivers, golf cart drivers, walkers, runners bicyclists) pulls out in front of you at any given moment irrespective if you are doing any of those behaviors. I think there is a death wish about the place. Also, typically, there is no one on the road behind you for hundreds of yards or more.