Thanks to all for the helpful input. A related true story.

Back in the 90's I went for an early morning (late fall) ride outside of Carmel, Ca. (weekend trip). It started out cool'ish but the highs were forecast in the 80's. I wore some kind of cycling jersey outer layer thing and took it off after about an hour. And I tied it around my waist.

Somehow on a moderate downhill the jersey got caught in my rear wheel, and sucked into my brake calipers (at 30 mph). It shredded my tire, my jersey, and mucked things up so much that I could not get anything apart. An area LBS had to remove the calipers to resolve the situation. I ended up hiding my bike in the bushes and got a ride back from a friendly older gent driving a Ford Pinto (whose gas tank had not yet exploded).

dave