Only one ice encounter ever.
Flying westbound at 6000 on a fairly clear winter's day, OAT about 37F, no icing or precip predictions whatsoever. Up ahead is a nice big puffy innocent looking cloud, just like several others I had passed through that morning. I enter the cloud, and the OAT drops 6 degrees. Then, the patter of rain against the windscreen. Crap. Look left at the wing, and it's accumulating ice. Crap. I had entered the cloud near it's left edge, so I banged an immediate 90 left turn while at the same time telling center I was turning left heading 180 due to encountering SLD icing. She gave me an earful for deviating from assigned heading, and I again told her that I was accumulating SLD icing and could say the E word if that made things easier. She replied with "fly heading 180, advise when clear of clouds."
Got clear of the cloud, got back on course, the ice sublimed/melted off after a few minutes.
And, I'm much more weary of clouds when the temps are near freezing even when icing isn't predicted.