I sympathize with OP, but I live in NY where there are so many poorly behaved people and dogs that an almost incident doesn’t faze me. i do try to avoid both as much as possible. Ans, I blame pet owners who dont pay attention more than dogs who have not been trained to behave. But, poorly disciplined, misbehaving children probably bother me more than dogs. I know, I sound like a grinch lol. But, in all seriousness, if I let any of this bother me, I would have collapsed from sheer aggravation a million times by now. I do have an excellent, though costly, dry cleaner and tailor who take care of mishaps, which is how I would proceed with any damaged clothing. They call me their VIP client, and I am positive I have helped put their children through school and contributed substantially to their respective retirements lol.