I once rode into the back of a minivan at about 40ish on my SV because I wasn't paying attention. Yes, I'm an idiot. At least I'm an ATGATT one. I was fiddling with my mirror and not watching the road. When I looked up and saw the taillights about 10 feet in front of me, I clamped on the brakes and clutch as hard as I could and rode her in. The SV needed new forks, new mirrors, and a new front wheel. All I needed was a new pair of underwear.
Still, when relating the story, several people asked "Why didn't you just lay it down?"