Same here, I've never had cover and always been able to limp back. Maybe I've just been lucky.
I've always managed to get home from "proper" breakdowns like this. Oddly enough the only time I have needed to call the AA was when I flattened the battery on my Civic by leaving the lights on. It was about 9PM, I was the only left person at work and car park was totally flat so no chance of bumping it.