A bell is a must (better not get into that argument).
My bell is the “towpath bell”. It’s the only place I need it. I often quote a response I’ve had when using it: “at least you’ve got a bell!”… yeah thanks for that.
Half the time it’s of no use with so many with headphones in plus the old deaf folk (sometimes feel it’s deliberate though).
Problem is towpaths are used both productively to get from A to B and for meandering, and the latter group of people see bikes as a nuisance to their afternoon stroll.
Also mornings are cheerful in my experience. Mostly runners and early bird dog walkers and generally active types who are in a good mood. Often others will greet me with a “morning!” before I’ve had a chance to.
Afternoons are miserable folk and a lot more stubborn about letting you past (even if you slow, stop, say high or ring a bell, give plenty of room, etc). Dirty looks, sarcastic comments and barely a grunt in response to a greeting.
Evenings the phone zombies are out, kids and later drunks if it’s near housing. Not too bad, but I’m cautious in some areas due to known muggings. After 10 and it’s a free run and quiet.
Depends on the towpath though and the area it’s running through at the time.
All said, I rarely am on there in rush hour, but when I am, through town areas there are a fair amount of people on BSOs or commuter bikes speeding along and often won’t slow or give way, so I can see the frustration.
Never any problem with cats. They are off out of the way quick usually. Foxes occasionally stand there with my lights in their eyes but will jump off. Had deer leap out of a bush into the canal! The main issue though are geese that take up residence on the towpath and get very aggressive as you go past. None I’ve run over. Think I’ve only ever run over a squirrel and that was on a road when it shot out in front of me.