I don't do a lot of multi day rides, but on our first tour, which was a weekend in Stow, VT. I crashed going down a 20% grade on the first day. I got right up and finished (it was a very short but extremely hilly ride) but I ended up with a huge bruise on my thigh and hip. I was SO sore,if it hadn't been for the jacuzzi in our room, I would not have been able to do the next 2 days. But, I did not do the MT. Mansfield climb the next day, which was 7 miles. It was October and as we started going up the Mountain Rd, it was getting really cold, which made my leg even stiffer. I was also concerned about the downhill part, having been spooked the day before. The roads were slightly wet and I don't like downhills very much to begin with. So, I got in the van and took it back to the inn. In fact, most of the other riders were tri-athletes from the midwest and had never seen a mountain. My husband and 2 other people were the only ones who did the climb. I didn't feel bad at all.
On our tour in Austria and the Czech Republic, we did choose the shorter option rides on 2 days. No sagging involved, but I knew my limits and wanted to enjoy the other parts of the tour, too. There was unbelievable climbing on this tour, so I don't feel bad.