I'm glad you started this thread!

OK... when I was really new my now ex-husband explained about watching for grooves in the road... and not to get your front tire in one... I didn't equate that with trolley tracks tho... we were out and I dropped the front tire into the trolley track because I didn't quite cross over it... and I stopped when I hit the curb on the other side... endo onto the sidewalk at the stoplight, bike on top of me... traffic ALL screeched to a stop... apparently they all needed to see the dumb newbie crashing...

I did Tour de Poway this year with friends... on my race bike in my full gear... there was some dude on a rusty old mtn bike in flip flops and board shorts... that dropped us like a rock and didn't even appear to be sweating...

I got a speed wobble at 47mph when I came out from behind the hill onto the overpass that is part of that downhill... how I kept the bike upright I'll never know... I don't race that downhill stretch anymore...

and Xmas Eve, for the first time ever I crossed my front tire into the back tire of the person I was drafting... the bike reacted much like a slingshot... sending me straight out into the oncoming traffic lane at 18mph, weaving like a drunk, one foot unclipped and water bottle flying across the road... I did not crash and fortunately there was no traffic. I woulda cried if I wrecked my bike...