I've never panicked over coming in last (and I have accomplished that particular feat) but I have panicked that the aid stations would be out of gatorade, water, and ice. Sadly, I've found this to be an issue with large races as well as small.
I especially like the observation that flat courses are no panacea.
The only one I can find anything at all to critique is the bottom row. My suspicion is that it's just novices that have these particular concerns. You'll get over all of these concerns (even the "coming in last" issue). But the concerns raised with terrain and surface are something you can never get over and always have to pay attention to.
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