For the frequently used and smaller endmills, I keep extras on-hand. General-purpose endmills, even in solid carbide as most of mine are, are not that expensive really. I only do this part-time but I've learned my lesson after missing a promised delivery due to a broken bit. It really looks unprofessional to your client.
Needless to say, I didn't buy all these in one fell swoop; this is about three years worth of purchasing, experiementing and such. I buy tooling when the need arises.
Hope this is of benefit to others, and if there are other bits of mention, or if you want to show off your 'collection' that would be cool!