problem with falling at our age is that the repair period is a lot longer.
on a recent club ride a 18 yr old flew over his bike onto a rocky mountain side going down the scorpion's descent. he completely fractured his shoulder and femur bones. 6 months after the accident he is still recouperating. if that was me i would probably need 6 years to recoup.
besides i already know what it is like to fall so what's me hurry.