I'd love to bump into some of you folks on a ride, although I'm setting myself up slowly to be self sufficient on my bike, if I ever had an issue, it'd be nice to be able to have someone offer help.
I did once, on the first bike, have the rear axle snap, I thought the wheel hadn't been put on by the LBS properly (stupid thought, as I trust them 100%), but asked a couple who'd just arrived home from work, if they had any spanners. Wrenched the nuts a bit, only to find it was the axle. Had to walk 1.5 mile home, uphill, on a very cold night, which wouldn't have been bad if I were riding!
The axle broke due to a nasty pothole, I'd ridden over at speed and didn't think much of it at first. Soon learnt how to dodge them after that.