I've had one have a go at my tyre/spokes along the Yarra.
Each subsequent sighting has been no more unsettling than previous.
All snake sightings pale in comparison to the level of anxiety upon riding through a giant spider web at night at high speed, with a large 6 - 8cm diameter spider right in the middle. One of those ones with the big, bulbous jelly-like sack and long spindly legs. Seeing it for a split second right about at neck height before barreling through the web, feeling it crawl around my skin for a few moments as I skidded to an abrupt stop, wildly clawing (gloving) at my throat, feeling the web along my face as I moved about, not finding it, reaching down my top when I feel it on my chest hairs, bashing myself to the point I had squished spider on my skin and gloves.
Apparently, it looked quite amusing to those behind me.
It could've been as harmless as a daddy-long-legs and I'd still take a snake having a go at my bike any day over going through that again.
We're all afraid of something.