Never had a prang yet, touch wood. The most I've had is an airbrake lever coming off in my hand in a K18 when I was coming in to land. The brakes defaulted to almost closed but not over the geometric lock so I did a full sideslip to just off the deck to get her down.
Powered the worryingist was recently when flying back to base and I was faced with heavy localised showers. The field was right in between two big black clumps of rain so I went for the gap. Or the 'sucker's gap' as one of the club members called it when I mentioned it. As it turned out I was OK but I really should have just orbited where I was. Don't know why I didn't actually, I had plenty of juice. I think if I didn't have the field in sight I would have done, but being as I'd seen it it kind of draws you in. Lesson learned etc.