I usually warmly thank anyone who blesses me and wish them the same. I'm agnostic, but I don't think that counting ones blessings or wishing well for others (even if they are hoping for divine wellness) is a bad or obnoxious thing. I used to preach over obnoxious street preachers, but now if they are really bothering me I listen for a minute and try to strike up a conversation. That generally goes not so well. I have read enough theology to bother them, they know enough bible to fall back on oneliners and avoid honest communication. If I heard the bus lady I would probably ask her why she is trying to scare everyone away from the god she believes in.
You seem like the kind of person who is willing to open-heartedly engage with someone (like a street preacher) and see where it goes. Your question is an interesting one - although it might be a little defence-provoking. By the way, what does your cgod name mean to you? Is there a story about choosing that name?
haha, I didn't even think about the godliness of my name until after I made my first hubski comment, it's a mix of my first and last. Honestly it's a good question to ask people who are working that hard for god, it is frightening to see and hear crazy people shout stuff that makes no sense.