As a side note, if its wet out and youre stopping on a hill your stopping distance is several times longer.

This should be obvious, but some times you start skidding and youre like 'mmm, is this really helping that much?' I once rode down a small hill when wet, started skidding pretty early on. And in my head had that 'oh ****' moment where I wondered if I was going to find myself in the intersection below. Last resort would have been taking a quick right at the intersection. Now I ride the winter season with a brake.