No. I know I've made panic stops but not many and they are forgotten. I don't ride in groups often and if they are nervous I leave.

I don't make a practice of riding in the rain fast. If I get caught out in the rain I've learned to start clearing those rims early. Racers may have a different experience.

My brakes are probably the most under utilized part of my bike. I've replaced brake pads because they were old - not worn out.