I came as near to crashing the other day as I've ever come since getting back in the saddle three years ago. It wouldn't be possible to come any closer without actually crashing.
I was coming down a steep hill on loose gravel that was deep in spots. You know, the kind of gravel that your wheels sink into? I was on my Trek hybrid with 35c tires -- not a bad tire for gravel, but not really wide enough to roll over this stuff. Going along at about 20 mph I came on a couple of little gullies rainwater had cut across the road. They were around 4-6 inches deep. When I hit them my front wheel bounced up (no front suspension on the hybrid) and went to the side. I cut the wheel right. It bit and slid, then kicked the other way, and I cut it left. I'm talking major cuts of the wheel. But I didn't panic and rode it out, and was able to stabilize the bike. If I'd gone down, my face would have looked like it had been through a cheese grater after that gravel got finished with it. That was a nasty moment.