When I ride home at night, one of my concerns is that if I have an accident and am injured to the point I can't continue on, what would I do?
My wife is already asleep by the time I head home and she doesn't get up until 5:00 a.m. Unless she had some kind of premonition or got up and realized I wasn't there, she wouldn't know I didn't make it home.
Fortunately, we use a local, independent cell phone company/carrier and our coverage is really good in this area whereas the big carriers are really spotty around here. Apparently our company uses their towers, but they feel our company-specific towers aren't worth messing with. I have good coverage along my route.
There's about a 7-mile stretch of road I ride where I know if I have an accident, there's little chance of anybody coming by until about 4 in the morning when people start going to work. The other roads have somewhat-regular traffic.
But, depending on what happened, who knows if anybody passing by would be able to see me or the bike? I've made it a point to actually drive my wife along the part of my route she's not really familiar with so if I don't show up or if I break down and I have to wake her up to come get me, she'll be able to find me.
I don't really "worry" about this and certainly won't give up the ride because of it, but like to put the odds in my favor as much as I can. I have my work flashlight with me I could always use to try to signal cars if I was off the road and unable to move, etc.
I think I'll continue to carry the phone in the padded case in my interior jacket pocket.
Sometimes it's the littlest things that can make a big difference. People at work give me crap because I carry my Motorola radio in its holster "backwards" with the back of it facing out. I had a supervisor tell me it "looks stupid that way.'
When I used to fly in the Army, we carried our survival gear in a mesh vest we wore. When I first started flying, my platoon sergeant, an old Vietnam vet, told me to always place things in the vest, especially the radio, so they were facing in. He said that way, if you're "effed up in the head" as he put it, when you look down at the stuff, it makes more sense to you than looking at it in reverse. I trusted he knew what he was talking about and have done it ever since.