The mechanicals I’ve had were flat tires, vibration related or crash related. Most flats are easy but, with bags and racks, practice at home. Getting a rear wheels off is much different on the side of the road than at home. My last flat, on the Erie Canal trail, was a slashed tire. Very glad I’d packed a tire boot.

I’ve had cables loosen from vibration and rack fittings loosen. I’ve also had to deal with minor things from tip overs and low speed crashes. Not bad but worth considering.

When I take a classic bike with freewheel, I always spin the FW off, relube and spin it back on before I leave home. Given a broken spoke, I don’t need to deal with a badly stuck FW too.