Completely agree. I've gradually been doing longer and longer loops away from home on the bitsa SL175, and I have had the odd nagging moments 20 or more miles distant from base when I've thought ' what would happen if ? '.
I do always carry my mobile phone and RAC recovery card, but that would at best mean a long wait, even if they could find me down some of the back lanes I frequent. I don't carry a tool kit or tubed tyre puncture kit on the tiddlers, although crazily enough I do have a tool lit and tubeless tyre plugging kit on the ultra reliable 600.