Hasn't happened in 26 years yet so I assume it won't. I had a new roof installed last year and unbeknown to me they ripped up the gutter guards with the old roof and threw them into the dumpster. Back a few months when we got the heavy rains what your describing is exactly what happened. Even got water into my basement for the first time. I cleaned the gutters and installed the guards and everything's been hunky dory since.
Could be, I live on a small dead end street with 5 houses, we all help each other and lend tools, I've borrowed my neighbors snow blower when mine was down and I've lent mine out now that I have a good one among other tools.