It happens to me all the time. I accidentally version a file, I do not want to be versioned (i.e. developer/machine specific config-files).
If I commit this file, I
SVN version 1.5 supports removing/deleting a file from a repository with out losing the local file
taken from http://subversion.tigris.org/svn_1.5_releasenotes.html
New --keep-local option retains path after delete..
Delete (remove) now takes a --keep-local option to retain its targets locally, so paths will not be removed even if unmodified.