I won't pretend I understand much of this physics debate. However, the way I see it - applying brakes on both wheels is the fool-proof method of actually coming to a stop without things becoming too exciting. Since I've had the "going over the handlebars" thing happen to me at a younger age, I now almost always press the rear brake first and a very short instant after that I apply the front brake quite hard. Personally, this makes me feel a lot safer and I've never even come close to flipping over again. I admit, there have been situations where I didn't manage to stop (right hook in right-hand traffic, anyone?), but in such circumstances one generally can't even begin pressing either brake lever before it's too late.