My hubby and I usually ride together so I used to wear my Road ID and carry my cell phone only when I rode alone. As luck would have it, the only time I was significantly injured was on a mountain bike trail when hubby and I agreed to separate and meet up about 20 minutes later. I fell and broke my ankle just after hubby rode out of earshot. Of course he was carrying the only cell phone between us so I couldn't call him either. I was dependent on helpful strangers to go find him.

Everything turned out fine in the end but I learned my lesson. What if I had sustained a head injury rather than an ankle injury?! Now I wear my Road ID and carry my cell phone on every ride.