I used to change my own wiper fluid regularly for years and years. I forgot one change, and I had the same harrowing situation you found yourself in - driving by instruments, which is a bad way to drive at freeway speeds. When I bought a new car with a lower carriage that's a pain to get under and change oil, I moved to paying the guys in the dealership to do it. (I'm certain this was a design change intended to prop up dealership mechanics everywhere, but given that Toyota hasn't gotten any other money from me except for routine maintenance I'm okay with that). Along with the $29 oil change comes lube and wiper fluid refill, plus a couple fluids I probably am not aware of. $29 provides a lot of peace of mind.

My wife and daughter go the dealership oil change route (and not the Jiffy Lube look alike service, for reasons outside the interests of this thread) for pretty much the same reason - everything gets refilled and checked.