I'd much rather carry a spare tube, patch kit, and tools so I can fix tires & other problems myself rather than have to call someone to bail me out. Of course I live in a rural area where I can get 30-40 miles or more from home with nothing around, and I'd rather take 15-20 minutes to fix a flat tire rather than wait 30 minutes or more to have someone pick me up. And it's not always guaranteed that someone (that someone usually being my wife) can come pick me up should I run into trouble. Plus I don't want a flat tire to end my ride when I can quickly patch the tube or throw a new tube in the tire, then resume my ride. But carrying a patch kit, spare tube, and tools in an underseat bag is simple insurance that I won't have to rely on someone bailing me out if I have a problem.