I always try to do my maintenance preventatively as much as I possibly can so that I don't have this kind of existential worry. I'm constantly working on my vehicle to-do list and reviewing my maintenance logs. I'm probably a little obsessive about it quite honestly. With a wife on the road 5 days a week (metro only) and two college age kids not far away, plus my own transportation needs, we all take the reliability factor seriously. Plus I really don't have any true buds close by to rescue me in a breakdown situation: that's a call to family. I know exactly when I've I last drained and filled the coolant and tranny fluid on every car, done the oil changes, swapped out an alternator, changed the belt, etc. As a result, I haven't used a tow service since I was a teenager and I'm in my mid 50s now. Maybe I'm just lucky, but I'm not big on deferring maintenance. I'm not a trained mechanic by any means, I just read a lot, understand mechanical things, take *a lot* of notes, and watch YouTube, read forums like this, and 30+ years of experience helps a little too.
On top of that, every car has a milk crate in the trunk with wiper fluid, qt of engine oil, qt of tranny fluid, and a roll of blue paper towels, as well as a small tool box with metric wrenches, screwdrivers, various pliers, and other very basic hand tools. Nothing extraordinary; takes up very little space. More often than not, these tools are used to help other people on the road or over at friend's houses.
The only thing that's missing is some knowledge. I've never been able to get my kids interested in car maintenance. I presume that will change over time somehow.
I don't remember having my wife ever a question my parts or fluids purchases/timing in our marriage. She knows I just take care of stuff and she doesn't have to worry about it. Plus I just hate getting financially raped by shops like Midas or Car-X when I'm on a trip. 200% markup on parts plus almost $200 an hour labor. No thank you! Few things piss me off more.
All of my cars are either 1,000 mile road trip worthy all the time...or...they get parked until they are roadworthy, sold, or donated.
If all this prep work fails, I've got a cell phone.