I do not know how deeply we want to dive into :lanes-tagging here or if a new topic would be better.
Additionally, I only know the German law well enough to talk about details like horse and which lanes are completely prohibit.
Yes, I left the values empty as I do not know the rules in Croatia.
Even in Germany, no for bicycles is disputed as there are too many exceptions like turning left on the next intersection, overtaking, or if the lane is blocked. We have use_sidepath as access value but we miss a use_sidelane or similar for access tags per lane, see: