I've been hanging around this and another forum for years, and I'm frequently surprised by all the variations of the "How dangerous is cycling?" post. People worry about falls, about getting hit by a car, about all kinds of things.
I've been riding since college, and I've had what I assume is an average number of crashes and injuries, though nothing more serious than a separated shoulder. I'm more careful now than I used to be, but I'm 65. I'm not as strong or flexible as I was, and I heal a lot more slowly. An injury I used to ride through might keep me off the bike for days or weeks. Fitness goes fast these days, so I try not to miss many.
Still, I never start on a ride thinking I might get hurt, or trying to figure ways not to crash. Barring the very occasional run-in with a lame driver, I literally never think about, and certainly don't worry about, crashing. Am I living in a fantasy world, or are the worriers just worriers? How much does it worry you?