"Backup transportation solution", it can be public transit, or even a bicycle if it's enough to get you where you need to, but yes that's my opinion.
Even something as simple as an oil change can go wrong. Drain plug broke and you need a new one? Or you forgot to put a gasket and it leaks and now all your oil is on the floor? Well, now you need a trip to the parts store, or order it and wait until parts get there.
In my case, it was a routine maintenance operation: changing brake fluid. I used a power bleeder, and at a third of the pressure specified on the manual, the reservoir ruptured. So now I needed a new reservoir. Parts store didn't have it, and it took 2 weeks to get there.