Male, 41, mainly commute. I've got one of the 'ping' type bells on my commuter bike and I use it reasonably often because I go down a few bridleways. I find that a few little dings will alert a horse rider that you're around, and once they've seen me I say "Goodmorning/evening" to let the horse know I'm human and not some sort of man/machine monster!
Having see the link posted above, I'm tempted to get one of the retro styled bells though!