You come around a corner in the dark and hit a dog, causing you to fly headfirst onto the asphalt, after which you get up, straighten out your handlebars and ride to the YMCA where you wash off the blood in the shower and apply the bandages that the staff has on hand, before you ride on to work the day before your regular medical checkup where you will find that your thumb is broken. Then you ride the rest of the winter with your hand in a cast trying to keep it from freezing since a glove won't fit over it.