Personally, and on the bike. Stopped at McD's for a coffee after a ride. Bike stalled as I put down the sidestand. Later, dead, nada!
Pulled the seat, tools, fuses. Without a screwdriver I'd still be trying to pry open the fuseholder and pry out a fuse. What a frickin' pain!
Q. what prompted the fuse to blow? This seems to be an annual problem, at least once a year!  
Fortunately, I've been inside my other bike so often it only cost me 10 minutes.
Note: carry tools and fuses on all rides !!!
Cheers!