Re: Could be worse
I recommend to you having a bell and using it. Your cycle shop might be legally obliged to provide one. The kind where you push the lever and it goes dingalingalingaling, then again when you let go. That says "bicycle" even to someone not looking your way. Expect them to freeze in place. Ring them from some distance away. Ring while road cycling past pedestrians who may randomly cross in front of you.
For a persistent nuisance pedestrian, get another bicycle bell and quietly walk up behind them with it and really surprise them.
In my opinion, the fancy bell with a tiny hammer that strikes once and sounds like a wine glass flicked with a fingernail, sends the wrong message.