I used to think like this but as TJ says why not use a bell?
Since fitting a bell it makes life so much easier, you can bing it from miles away and folk hear you and gladly move out the way. Before I used to say “morning” or whatever and sometimes people would get a fright others annoyed and some would be fine. Since using a bell all the aggro has gone and life is easier and better. The only reason to not fit one is because they aint cool!
P.s, only got it on my Gravel bike as that’s the only one that sees regular use on shared paths, no way my MTB is getting one!