Even though I know how to change a flat, I live in fear of it. I barely ride by myself, so I don't worry. No lectures, please. I have the equipment and I *could* do it, but I don't want it to happen.
I have only had 2 flats on the road in 8 years. One was during a century (it was the tire, not the tube) and one was an actual blow out. My husband did both of those. The other two occurred in my driveway or in the house. I changed those, but painfully. My issue is putting the rear wheel back on. Yes, I have practiced and I know the "tricks," but it is really freakin' hard for me. I actually hurt my back when I was balancing the bike in one hand and trying to get the deurailleur /chain lined up. I am better at it now, but still.
I have not been able to deal with the V brakes on my Jamis. I can't get that little wire back in, no matter how much I try. So, if I have a flat, I'm dead there...