Had a few "murphy" commutes -- the ones that stand out, though, both involve rain (which I still love riding through); one was the morning commute that involved a pop-up shower, no rain gear -- Fat Boy doing the weather forecast said sunny and breezy all day, 15 minutes before I left the house. My shoes squished for four hours.
The other was going home -- on brand-new tires, picked up a bit of industrial wire about an inch long; at least the rain stopped by the time I unpacked the spare tube.... Hung the bike from a tree limb and did the fix.