Morning was interesting with a lot of big rollers. After lunch we were caught in a rain storm which was heavy at times. My pannier somehow came off and locked my rear wheel up at some over 25 mph. It initially caused me go head into oncoming traffic but I overcorrected and went back and forth until I came to a stop. Later, in the rain with a significant tailwind, I came into a traffic circle a bit too fast. Heading around the circle, I started to break. The bike started to slip out from under me . I put my foot down and held the bike up as I slid to the curb. When the hit the curb, I flew over it and did a roll on to a nice soft, but very wet, grassy area. As I picked up my bike and water bottles, a couple that saw the whole thing unfold asked if I was Okay. I said yes and they said it was an awesome save and drove off!