<human>: Can you summarize the given text in a few sentences?

I never saw her again.  I was completely oblivious right up until I told my best friend.  He still teases me about it **today**, even after 12 years.  I deserve it too!  I was acting like a [dumbass](

It was raining in Calgary.  I was rocking out to my discman and walking in the rain.  Walking is my most-favourite thing, it makes me feel like a kid exploring the neighbourhood and that shit fuels my sense of adventure, yo.  Walking in the rain or late at night is the best because you can sing along to your discman- so long as you at a respectable volume that doesn't wake the neighbours.  But this time I saw the girl, I was walking in the afternoon, northbound on 10th st.

And she stops, rolls down her window and offers me a ride.  Her voice was sweet.  She had this smile.  And it was really kind of her to offer a stranger a ride, too, when you think about it.  

But I was walking in the rain and rocking out to Kid A, or Coldplay, or possibly even [R.E.M.]  So I politely declined and thought nice things as she floated away.  Like I said before, I never saw her again.  Not at the drum circles, the art shows, or the Lido, or anywhere in that neighbourhood.

Sometime later I told my buddy about my day and he latched onto what I'd missed out on quite quickly.  He was in this comic kind of shock.  Anytime we argue, he brings up this story to remind me of how dumb I am.  I deserve it.  She was a really nice girl.
<bot>: I was having a good day in the rain.  Really awesome chick pulls up and offers me a ride.  Just out of the blue.  But I was really enjoying my walk.  Yup.  I'm dumb.