Second the carrying of important stuff on you. I also make it a point to have 5 bills (any denomination) as I have used that many to boot big cuts and ride home. And yes, where the bike ends up relative you is a guess. One time it got tossed in the ambulance. It has made it to the hospital a couple of times though I did not witness how. Ended up at friends. A bike shop. (They knew it was mine and I would come back, if indeed that was going to be possible.)