In the MS Bike ride last year, a guy in my team had a flat at mile 45 and was standing on the side of the road. I stopped and help him and found he had nothing with him. No spare tube, no tools, no pump. I had to give him my tube and help him install the tube.

I asked him why he doesn't carry anything. He said he has been biking for 20 years (from his teenage years) and never had a flat so it never occurred to him to carry anything.

He did wise up and bought the necessary supplies at the next service stop.