This happened to me or with me

What is the difference between happened to me and happened with me?

How can I use them in different situations ?

Happened to me is all about telling stories.

A: The funniest thing happened to me yesterday! I was at the grocery store and. . .

B: Yes, that happened to me once too!

They don't have to be in the past, but they need to be about personal experience.

I saw what happened to Jim after his grades slipped. I don't want that to happen to me.

Happened with me is about what you saw.

I can't believe what Elise and Jim did! I never thought that would happen with me there.

It's about you being in a place, not necessarily about your experience with the place. You aren't trying to tell a story.

This project is going to happen with me leading it! I am sure of it.