Thinking of my own experience (I've ridden daily for a couple of years), the only two close-calls I've had are from a car that's in front of me, when it suddenly sees a parking spot, and swerves across, almost side-swiping me.
I could probably avoid this by riding in a full car lane, instead of to the left of it (between the lane and parking spaces), but it seems wasteful to take up a whole car lane (and I can't pass cars then). Also, what I'm doing may be illegal, as it's not marked as a bike lane.
(Bonus: fog/glow is more visible when raining.)