It hasn't happened to me cycling, but it did happen to me hiking. About eight years ago, I had planned a trip up to NH to hike with friends but everyone ended up not being able to go at the last minute. I went anyway and car-camped overnight at Lafayette Place campground. Sat. a.m. I went up to do the Franconia ridge trail. I got above treeline and was unprepared - a storm came through and the wind was whipping me about the exposed ridge. I had plastic sandwich bags from my lunch and I used them for mittens and had on a polar fleece jacket, cargo pants and a thin windbreaker. I had an ace bandage in my backpack and some med. tape (nice that I carried first aid but no extra clothes, right?) and so taped the medical wrap around my head for a hat. I got to the top of one of the peaks - I think Lafayette - where there is a stone shelter and saw someone else in the stone shelter. You have to do a little exposed climb up to the shelter and I was seriously thinking I was going to be blown right off the mountain. I finally got in behind a wall and sat down and started crying - very scared. Two guys were there and they gave me a hat and a poncho, and then it was only a mile or so down to the hut. I stuck with them to the hut and then returned their gear and hiked the rest of the way down alone, soaking wet.

On my bike for long rides, I now bring a wool hat (you never know), a pair of cheapy chinese slippers (easier to walk in than cleat shoes and pack very easy into a bike bag as they fold up) and a poncho (folds up very tiny as well.) I know there will come a time I will have to walk. And I don't go without cell phone... too many creepoids out there.