1) Having my Moulton Mini stolen.
2) Crashing headfirst in a tree wrecking my Gazelle.
3) Picking up a blind date for a party (not even my own date, mind you) way on the other side of town, find out she's a perfect walrus - right down to the 'stache - and bikeless, so she had to ride all the way on my rear rack. To add insult to injury I was in tails and she in a sort of billowing sail in a vague mockery of a prom dress that kept getting tangled in the spokes. Good thing the booze was free and my date wasn't as portly.