This is going to be a good topic. Having my bike as my only transportation, and before that my preferred transportation, I've ridden in some wild stuff. I've tried to ride in snow, but the bike will not stay up; try to go 1mph and the back will just kick out to the side and keep going and stuff like that. Hopeless.
My scariest ride was probably crossing the confluence of the Mississippi and the Ohio on a real narrow bridge with strong gusts, into Cairo, IL. After I was across I mentioned it to somebody and they said "Oh, it's not deep there - they can't keep it dredged." LOL! I was just hoping a semi wouldn't come facing me.
There is a giant cross there on the KY side, which I'd never heard of and which surprised me. It's to commemorate the sacking of a pioneer fort on the site by Indians.
http://www.google.com/search?tbm=isch&hl=en&source=hp&biw=1024&bih=461&gbv=2&oq=Fort+Jefferson+Memorial+Cross+&aq=f&aqi=&gs_sm=3&gs_upl=4641l4641l0l6343l1l1l0l0l0l0l40l40l1l1l0&gs_l=img.3...4641l4641l0l6344l1l1l0l0l0l0l40l40l1l1l0&q=Fort%20Jefferson%20Memorial%20Cross&orq=Fort+Jefferson+Memorial+Cross+
I'd been planning to cross at a ferry, which was closed due to low water. Then the first bridge north of there was out. Finally still further north was the one I crossed.