Chocolate?!!!
A couple years (ok, way more than a couple) I had a similar thing happening. I was going home (KZN Midlands) from Pretoria (yup, yuck) and on the highway my car suddenly started belching smoke and freewheeling down the N1. I at least handled the crisis and freaked out later. Blown head gasket. It was not cheap to replace. But I can sympathize with you dilemma. How to prepare for the possible (eventual?) is a good question. And I think it totally depends from person to person