George.....I probably came off as condescending and if I did, I apologize.
I don't live in the city. So I had a hard time picturing putting myself in your situation.
Comparing a deer running out of the woods to a woman standing at the curb......does not make any sense to me. I live in the woods.....you are asking for trouble if you DON'T slow down when a deer is standing on the side of the road.
That woman was in the wrong.
My point is/was.......you saw her, lets say by the time you noticed her and could see she was distracted she was 100' from you. It takes you 2 seconds to cover that 100' at 40 miles an hour. IF......when you noticed her you had slowed down to 10 mph......you'd do 100' in 7 seconds.
You lost 5 seconds by slowing down to 10 mph until you were past her.
(disclaimer......the math probably isn't exact but it's close enough)
PLEASE don't take this as the wrong way........it's just the way I look at it.
I've always enjoyed your posts......still will. If we were sitting across the table at dinner......I'd be saying the same thing. It wouldn't change a thing.
Hopefully our paths will cross one day............and I promise I'll give you plenty of warning.