Well, for me they pretty much all suck since they are always rear flats. That means taking off the panniers and everything that will fall off the bike when I flip it over to get the rear wheel off.

The worst, however, was about 2 1/2 years ago. I left work to start my short ride home at 8:00 pm and it wasn't just raining, it was pouring. I slipped my poncho on and left as I have done many times before. Less than a mile from work I heard a loud bang and soon discovered that my sidewall had blown out. That was it for riding. So, I started my journey home in a downpour on foot pushing a lame horse.

I decide to stop by the grocery store on the way since I was already soaked at this point. When I reached the store I discovered that my panniers were full of water and everything in them was soaked. I then headed off taking what I thought was a shortcut only to find that the road was closed due to high water. I had to turn around and go a mile out of my way to get back on track. As I was approaching the turn-off to my house I saw a car switch lanes on purpose so they could splash me with a giant puddle of water. I never even flinched, I just wished horrible things on the driver as they drove away. I finally reached home and was soaked from head to toe. I think that may have been when I decided that I need to live in a desert.