Oh, yes. I used to cycle in the early mornings before work. The only time it wasn't dark was during the height of the summer, but it was dark the other 50 weeks of the year; I even cycled during winter.
I had "near misses" every single day. Lots of them. Most of them were pretty much like the OP had said, or I would just miss them by seconds.
I loved cycling by the "super rich" houses because they had huge windows and no curtains, as every room was a show room to the street. I suppose if I had stopped my bike and waited then I would have seen more, but I am not THAT pervy.
I haven't cycled in the mornings in many years, so I can't recall anything spectacular, but I saw lots of women with naked backs, almost sideboobs if they would have moved just a few inches the other way, and lots of bathroom windows that were fogged up already so I was too late.
In my own neighborhood, I used to ALMOST see my neighbor naked in her bathroom window every morning. She would start with her shades closed, then take a shower, then open her shades, knowing that her window was really fogged up. I could make out enough outline to know she was topless, but I couldn't see through the fog. It was like that most every day until we moved. (There were a few times that I did see something, but this thread is about near misses.)
Then there are the dozens of times I had almost seen my sister in law. Those were huge bummers each time.
We used to have neighbors on the end of the block with a second story window that only had very sheer curtains. We saw the wife in frilly pjs all the time (they went to bed incredibly early), and a few times she was topless, but she didn't come close enough to the window to see anything, being a second story. But had she stepped forward even another foot, we would have seen her. I am not sure if she knew this, or if it were just poor coincidence. New people live there now and they have opaque curtains.