My closest call was actually three in one incident back in the early 80's. I was riding at maybe 55mph on an urban four lane when a semi truck came hauling ass out of a parking lot right in front of me and slammed on the brakes. He blocked both of my lanes, the middle lane and any bail out into the lot.
I had a moment to do some hard braking but there was no way I was going to slow down enough to not get hurt on knobbies. Without thinking I just pitched it into a turn toward the curb. There was no thought involved. My old XT cleared the curb without drama but that left me looking at the front of a store.
I probably wasn't going but maybe 35 or so at that point. But it was a narrow bit of asphalt and loose rock. I braked as hard as I could and just touched the glass front doors with a little bump. After all that, what really freaked me out was looking back at my tracks. I had gone between a power pole and guy wire.
Sometimes it truly is better to be lucky than good.