IKWYM I hate breaking down, typically in the middle of nowhere, no mobile reception and busting for a wee. I've walked miles in search of houses to use phones, and pee'd in a few hedges.
I once got a flat tire late at night [on the way back from an antenatal yoga class] about 30 weeks pregnant, on my own, no family to call and rescue me, in the middle of nowhere. DH had gone out about 2 hours drive away, except he had no car, so would have to get a taxi at great expense. RAC quoted 4 hours. I called my friend's dad who works at the local garage, he came and changed it for me. I just didn't have the strength to turn the handle for the jack, it kept slipping and was worried about hurting myself.
At least with minor bumps you can be over and done with quite quickly and be on your way.