After all my thoughts and philosophy to the contrary I did something stupid in regards to my bike and commuting.
My rear brake had felt a little soft the last day and rather then take the 2 minutes to take care of it I rode home yesterday and nearly took the bike and myself out of action.
I was making a left from a lane that can go either left or right, I was navigating through the turn and started to brake. Except I didn't have enough braking action to slow through the turn.
All I could do was make the turn as wide as possible and hop the curb, up on to the small grass patch, while trying to stop with just the front and not send my self airborne. Hit the iron fence that divided the road from the grass and the cemetery on the other side with my shoulder to complete the stop.
Stupidity! That's my confession, I've learned my lesson, check the bike before I ride and if something seems suspicious...fix it!