actually creek, it depends on how important the ride is and what means you have to get back home. If I can call my wife and get back home, failure is not as important.
However, if it's the ride you've been building up to all season, then yes, that's important. That's why on those rides I carry an extra TIRE.
Also, if you ride with a partner, it's not as likely that the both of you will have failures, and you can pool your resources.
It's probably a good idea to keep enough cash for a tube in your saddle bag, that way you can hand it over to a good samaritan immediately.
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