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@pastry_lover
Another good (purely selfish) reason to have two brakes: a courier I met in London got knocked off his bike while working. No fault of his own - an oncoming car turned right into him. Front brake would have made no difference. The driver stopped and apologised, "sorry, I didn't see you" blah blah blah. He called an ambulance , gave his details etc. The guy's shoulder was broken. 6 weeks+ off work, £2k out of pocket and could claim fuck all off the driver's insurance because the driver had taken photos of the (brakeless) bike and sent them to the insurance company.