Well, I took the wrong bike out today. Should have taken the hybrid with the studded tires. I thought I'd be okay without studs since most roads were cleared. But there's more ice now than I've ever encountered so far this season. I slipped a few times with no consequence. But just now took a hard fall and felt my cheek rub the pavement. I imagine the road rash (and swelling) would have been worse had my helmet not cushioned my impact. Stopped in a local tavern where they served me topical analgesic, a bandaid, and a pint of beer.
Every accident I've had this season was due to ice (or otherwise slippery conditions) and complete loss of traction. Fortunately none involved other moving vehicles, motor or other.