Glad you survived your incidents without any damage to yourself or the bike, and I’m glad you are now getting serious about your gear. I guess I will be the first to state the obvious, you need to practice your emergency stops. That limo may have cut you off but you were the one who almost lost control of the bike. If you hadn’t hit the rear brake too hard would this incident been anything other than an annoyance?
Don’t mean to dump on you, I appreciate you posting your experiences on here. We can all learn from situations like this. Speaking of which, I think I will go practice my braking. Something I don’t really do enough of.