I think the most common thing people are referring to is riding over your ability. In other words letting other people push you to ride outside of your comfort zone. Its very easy to do, especially when riding with others that are more experienced than you. I've done it, I think most of us have done it, making it thru the experience without wrecking is the hopeful outcome. I myself had two close calls last season, it slowed me down the rest of the season and will most likely be on my mind at the start of this one. Here is the last close call I had last season, I was riding with two other guys (nothing against you guys at all, it was my own fault) that were much more experienced then me, I was unfamiliar with the road, they were not, they are unseen in this video because they were way ahead of me. In this video, I came up to hot on a really tight right turn, my gut told me I couldn't make it, so rather than lowside trying to make it, I tried to stop, I locked the rear brake and never let off it until I bailed on the gravel road in the apex of the turn. I fish-tailed several times in the process but feared if I let off the brake that the bike would grab and buck me off it. The curve doesn't look that tight on approach in the video, not until you see it when I come back up to, the camera plays tricks. http://www.youtube.com/watch?v=Z2L2pn35Ulk And yes, I had to stop and walk that one off abit, had to clean the chocolate pudding out of my pants