I'm aware this is a 'what if' situation, but cycling into the city this morning, passed a couple on my left who had a wee dog with them on an extended lead trailing at least three metres behind said couple who were apparently oblivious of the dog's proximity from them.
Thought crossed my mind that if said dog had decided to take a wander across onto the road in front of me, would have been pretty disastrous for me and the dog.

It didn't, but a least I was aware of the possibility and am pretty damn sure I'd have got the blame - !