lets see in 20 years of roadie/mtb/commuting...
On 1st wedding anniversary trip, front tyre blow out while descending a winding hill result broken collar bone.
hit a 4 foot section of 2 X 4 left no the road result ass burn.
Had lots of offs for one reason or another , no real damage (bumps and bruises).
Got bit by pick up truck at intersection result bent wheel sore knee.