yeah i know, sorry. I just wanted to turn another General Forum discussion into a healthcare argument.
I'd say the formula for expensive breakdown would be to figure out what the hardest to find part is for your bike, then figure out how that could get destroyed by malfunction. for me it'd probably be hitting a curb and destroying my wheels, or just ruining my frame. Other folks though, it'd probably be seizing a fancy kit, and sliding to crush a performance pipe.