I had a superb ride today through NSW and Victoria. I blatted down the Hume highway to Albury, cruised along Talgarno Road which becomes Murray River Road, across the Snowy Mountains between Tumbarumba and Kiandra, then quickly down to Cooma before heading back up the Monaro highway. About half of the trip was through spitting rain. The pass through the Snowy Mountains was spectacular; I highly recommend it. I'm 2 blocks from home and it's still raining but I'm feeling relaxed. I'm heading downhill into a roundabout and there's a car already there so I gently apply the rear brake, my thought process being that applying the front brake in the wet might cause the front wheel to slide out. Then everything goes wrong. The rear wheel fishtails left then swings back to the right and the bike goes down with me underneath it. The whole incident took less than a second. Luckily my bike (an XVS650) suffered zero damage because the front brake lever landed on my right leg, holding the rest of the bike off the road. I've got an awesome technicolor bruise where the lever pushed against my leg. A passing motorist had to lift the bike off me because I was pinned. I'm happy that I came out of it so lightly; if I'd been going any faster I reckon I would have hit the car in front of me. Was my mistake using the rear brake in the wet? With hindsight I think the weight shifted forwards and because the rear was suddenly light the rear wheel lost traction with the road and the lightly applied rear brake caused the wheel to lock. Should I be using the front brake in the wet and ignoring the rear? And how should I react the next time the rear wheel swings out?