Yep, creeks have gotten me a few times!! Once, in Pa., when I hit a large rock that threw my front wheel out, and dumped me in the creek, and another time in Davis, W.Va., when I found out there was a large "sandbar" in the creek-stopped me in my tracks! Luckily, both days were hot, so the dunkings were a welcome refreshment. Nice bike!! Heard the 29" wheels are better at roots and rocks that 26", but I guess streams can't tell the difference.