I was finishing a ride up the Blue Ridge Parkway / Skyline Drive last week, and came across a couple in Harper's Ferry that was doing a 4-day ride on the C & O Canal. Their experience made me think. His pannier came loose, broke several spokes, and pretzeled the rear wheel. Fortunately, they were near a bike shop. Their options were to either buy a new wheel and take off in an hour, or have the shop re-build the existing wheel and take off in two days.
There are other accidents that can pretzel a wheel. The're rare and none of them have happened to me (yet). But if something like this ever does happen to me, I'll have only the 2-day option, which would have a serious detrimental effect on my mental attitude, if you know what I mean. I expect to be riding this bike and the Rohloff hub for quite a while. But if I were building another bike, I'm not sure whether I would spend the money on a Rohloff again.