I've had to call my wife to rescue me a few times. The worst was early last Spring, when I got caught in a rain storm about halfway through a 30 mile ride. I was not severely underdressed, but after getting soaked I became quite chilled. I'd planned to take a train back to my town, then bike an easy 5 miles from the train station to home. It became apparent that I would get very uncomfortable and possibly hypothermic by attempting that. I didn't have my phone along, so I borrowed a stranger's and had Mrs. Broctoon meet me at the train with dry clothes. What a lifesaver! I haven't been that cold too many times in my four and a half decades on this planet.