I've done my fair bit of cycling, I'd like to think.
Done BMX (flatland and park), Mountain biking (downhill and park), electric biking (commute), road biking (commute / excercise).
I currently have a mountain bike and two road bikes. Been in three accidents so far on my bike, one totaled my bike into unusable condition (one of my ex-road bikes), another sent me to the hospital with a scraped up head. No serious permanent injuries.
Uhm, yea. That's about it. I bike to school and work everyday, even in pissing rain. On days where I have to look extra-fresh, I take public transit or a car that my family keeps for emergencies.