I also had a Pedestrian incident here on the N3 in Gauteng. A real neaderthal !! I blew the horn so the idiot just steps back infront of a car....
Car hit the anchors, neaderthal oblivious to it all. Also totally blazey and didn't seem to hear the expleatives I was hurling !!

Anyways. I commute every day of the working year (rain, sun and cold), but you guys commuting on your BM adventures with panniers amaze me. True optomists. I do it on a Honda 250, and that is sometimes a bit tight. (esp with the road works = V narrow lanes)
Was once behind a guy on a BM1200GS with panniers - very clearly new to biking. He was wearing work pants and work shoes, not evena jacket! He nearly lost it 3 times, I could have sworn that he was gonna bin it, so I made another plan before I ended up in his incident.
Worst that has happened to me so far in 3 years commuting was an Audi drove over my toes when I was stood still, the traffic was stopped and he was creeping - I should have spotted him. Fortunately the right gear saw to it that there was no damage to the toes. I count myself lucky. Just hope there is no big incident in my future. I've already had my BIG spill...