I've read reports of 20mph crashes and over the handle bar flips with dread. To me, damage to the bike would be secondary to broken bones, collapsed lungs, etc.
We had a late winter snow storm - 6" in my area of Northern Virginia last night. With wind gusts in the 20's and bright sunshine I headed out this morning at about 10:30 am. I rode my cyclocross bike with studded tires and the Bionx electric assist system. While the tires help with ice the unploughed residential roads caused the bike to shimmy somewhat. Plowed but packed roads where much better.
I made it to the MUP and cruised with the wind at my back for the first mile. Unfortunately, the snow was not as pristine as it looked. Earlier traffic, or something left the foundation layer rough. Hitting one section at about 10mph I lost my balance and crashed to the left (non drive!) side. The bike took minor damage. The mirror popped off, the chain came off the crank, the left brake lever was twisted, and the handlebars were slightly misaligned.
I landed mostly on my left shoulder with hands still on the drops - my shoulder, upper arm, and neck are sore. The nice thing about winter outfits is it provides a lot of padding. My helmet smacked the MUP on the left side so it's time to retire it (it's served since 2004).
I pulled off the MUP onto a main 4 lane thoroughfare and backtracked for a couple miles. Though progress was exhausting I made it to work. The return trip tonight in 24F weather with some headwinds was full road riding.
For this 50+ guy this fall was sufficient excitement. I did get a few rep points at work for continuing my hard core riding habits.