A noise complaint before 10pm? I’m more concerned with not harming people in the first place, than I am with placing blame. Have you ever been on a bike path, see a pedestrian, rung your bell. No response. Getting closer, start ringing bell more rapidly. Finally decide to call out, , “ on your left”. While slowing down to minimize consequences. Finally seeing a response from the pedestrian, as they turn and step to the left. As you notice the earbuds in their ears. That’s a common experience for me.