If you don't already have your towing eye stored in the vehicle passenger area, or secured to the rear boot parcel underside, similar place where it can be easily accessed without having to unload a fully packed boot then you may want to consider doing this.

A few years back whilst pulling up into the boarding lane at Dover with a fully loaded, jammed packed boot for our 4 weeks trip with out Eriba to Italy the clutch pressure plate diaphragm spring broke. We were left stranded in the lane watching all the other cars loading. When the Dover dock's tug vehicle arrived guess where our towing eye was. We had to basically unload all of the carefully packed boot to get into the spare wheel area to access the towing eye. Then reload and all had to be done as quickly as possible to clear the loading lane.

Whilst the same issue would exist for a spare tyre replacement (assuming you have a full or emergency spare) any engine/gearbox failure would require tow truck recovery and you want the towing eye ready to hand. Doing so ensures that your vehicle is not damage by inappropriate winch line attachment. If you are on the hard shoulder of a motorway you are unlikely to be allowed allowed to unload all your belongings just to get the towing eye out.

Just food for thought.

Might be worth buying another towing eye then? and carry it somewhere easy to get at? Bearing in mind most people spend far more time driving solo than towing...?

But it's far more likely you'll have a puncture than a complete breakdown, in which case your spare wheel/inflation kit/jack are all in the the boot under the floor...

Yes two is often always better than one.

With a puncture your vehicle is still basically mobile so you can as/if required drive to a safe location even if that damages the tyre and hopefully not the rim. With a dead vehicle you are where you are.

Your point about driving solo with no caravan/trailer is also valid as most vehicles on the road, even mine, don't normally run with fully laden boots so we tend to not think about "what if" scenarios. I didn't before our breakdown and had only considered the spare tyre & jack scenario and being able to at least try and relocate to a safe position to extract the jack / tyre / repair fluid from underneath all the stuff that needed to be emptied from the boot when fully laded before access is obtained.