I'm familiar with the vast majority of the benefits of commuting, and I know one is being independent from my car. If what happened today had done so a couple of months ago, I'd be shelling out money for a rental or bugging friend's for rides. Just this afternoon, the lower ball joint on the front, passenger side of my car decided that it wanted to separate, leaving my car sitting in the middle of a parking lot with a wheel not connected to the car by enough components to function.
The quarter panel is a little messed up, but I'm thankful that it didn't happen while I was on the freeway driving back from a LAN Party.
Most of my friends and family, however, would be freaking out about how they'd be getting to and from work, or school as it may be, without a car. Me? Yeah, I'm upset, but I won't be forking over dough for a rental car because I've gotten into cycling.
A whole lot of "it could have been so much worse" going on, in terms of damage to the car, me, or my work schedule.