That is right. Plus any other tool you have to remember to lug along with you. I rather concentrate on the trip, rather than focusing on the bike.

Actually I am more likely not to carry tools with me. While I have done some emergency repairs in the past, more often than not nothing happens. And if it does, when my father was alive and healthy, he would pick me up in the truck and the regular road bike or the old English 3 speed I had at that time went in the vehicle's back. Now that my father is dead and the truck is long ago sold, I have my little folding bikes that can go anywhere like on a bus or train, cab, friend's or sister car, rental car, whatever. Or I have the option to drop it off at one of several bike shops that I patronize and recommend in the Southern California area. I practice a strict following of bike trouble prevention (riding more carefully on the road, buying quality Kelvar tires, no curb jumping, and checking out the bike before I ride anywhere) is the way I prevent almost any problem. The last time I had a flat was almost 10 years ago with my old English 3 speed. The only time I stop now for a bike problem is with one of the Dahons. They always seem to need a little extra tweaking or tightening of the QR latches and levers.

I use my own "credit card" or "emergency fund" when I am out and about, rather than carrying tools. I can avoid any explaining or excuses of being late to an appointment as the bike might be dropped off at one of my selected shops if anything major happens-very rare, if ever-on the way or it is simply left at home as it might prove to be too much trouble to take it with me at that particular time. People are not very tolerant of bikes here in Southern California.