DarkMatters saidYou're not a serious cyclist until you have been caught unprepared in the rain or snow, I say. I once was on a century ride, and I faced sun, rain, snow, sun, snow, and more rain on the all same day. Your best worst day ever was?
Had several including being hit twice. But all in all my worst was several years ago. Mind you I am a very experienced rider (former racer) and ride well north of 7000 miles a year, so I am no stranger to adverse conditions and riding in driving rain storms and even snow and ice.
But several years ago, in mid december, temps in the low 20s, I set out for my ride planing to do a moderate paced high mileage ride. One of my longer loops in the direction I was headed for the day. When I left home it was cold but sunny and still air.
On the return side of my ride, the skies started to cloud up so I knew it would be getting darker sooner than planned, so I up'd the pace a bit to get home. Well I am about 40 miles still from home and I started to bonk. I handn't been hydrating or eating properly mainly due to the cold but more due to the easier pace I was originally keeping. I got extremely disoriented and in retrospect, started to panic. This was actually getting dangerous as I was now loosing my way...You get off the main road onto some side State routes, and you have no idea where you are going or how to get back. You resist the urge to backtrack, just thinking the next turn is up the road a bit...well it doesn't come and you have a couple extra miles under your belt so you keep forging on...you get the idea. Of course the smart thing would have been to get off the bike and get oriented and hydrated, and then back track. But when the above happens you are not thinking clear and your judgment gets impaired.
Well luckily I eventually did stop and hydrated and ate an energy bar. (Funny the really weird thing I remember about that day was while I was stopped, another roadie passed me on his ride, and didn't even acknowledge that I was sitting on a guardrail in the middle of nowhere with my bike leaning up against me.) In a way that guy got me going, and back on the bike, I sort of rode through my distress, but still had no idea where I was. I was already backtracking and came upon a sign I recognized, and all was good shortly thereafter.
As I said, I have been hit 2x and once seriously, but getting disoriented miles from home in the cold with daylight waning is not a fun experience.